BAE Systems semakin dekat dengan peluang untuk memasok howitzer ringan M777 kaliber 155 mm/39 ke Thailand.
Seorang pejabat dari perusahaan Inggris tersebut mengatakan kepada Janes di pameran Defense & Security 2025 di Bangkok bahwa M777 telah diusulkan untuk memenuhi persyaratan Royal Thai Army (RTA) untuk artileri ringan yang ditarik.
Pejabat BAE Systems tersebut mengatakan bahwa meskipun persyaratan awal tidak ekspansif, kemungkinan mencakup pengadaan enam unit, program ini dapat diperluas di masa mendatang.
Janes memahami bahwa pembicaraan antara BAE Systems dan RTA sedang berlangsung sebagai tanggapan atas permintaan informasi/request for information (RFI) yang baru-baru ini dirilis. Pengadaan ini diperkirakan akan dilanjutkan pada tahun 2026.
China juga diperkirakan sedang mempersiapkan penawaran untuk memenuhi kebutuhan howitzer ringan tarik RTA.
RFI ini merupakan tanggapan atas kebutuhan penggantian beberapa artileri tarik 155 mm RTA yang sudah tua, yang mencakup sekitar 32 Soltam M-71 yang dibeli pada tahun 1970-an dan lebih dari 100 howitzer M198 buatan AS yang diperoleh Angkatan Bersenjata sejak awal 1980-an.
BAE Systems mengembangkan M777 sejak tahun 1980-an untuk menggantikan M198.
Hingga saat ini, howitzer M777 telah dioperasikan oleh angkatan bersenjata Amerika Serikat, Kanada, Australia, dan India, dengan total pesanan melebihi 1.200 unit.
Penjualan besar terakhir BAE Systems terhadap M777 di Asia-Pasifik adalah kepada Angkatan Darat India, yang memesan 145 unit produksi lokal senilai INR50 miliar (USD564 juta).
(Jane's)
Kapal hasil ngemis2 56 thn sedang apa ? Lagi bersih2 karat kah ? Ha ha ha
BalasHapusSaya kira ini shoping malaydesh. Ha ha ha ha
BalasHapusMalaydesh masih betah dg meriam tarik lembu
BalasHapus01. Salam bina Candi LCS MaharajaLele Mangkrak Karatan 14 tahun SALAH POTONG, seharga RM 12 Billion
BalasHapus02. Salam bina senapang Allien tembak tupai VITA lendir BERAPI
03. Salam KERAjaan BANGKRAP di gondoli Jho Law
04. Salam bina kereta kebal 8x8 GEMPITA tampel sticker tak boleh eksport
05. Salam bina tank ugly STRIDE bentuk KOTAK Turet impoten
06. Salam bina rudal antar Galaxy ugly TAMING SARI
07. Salam bina jet PTM GEN 6 hasil mimpi basah insinyur 5 top university
08. Salam bina drone ugly NYAMUK
09. Salam bina KERETA KIPAS TERBANG tampal Sticker dari Cina
10. Salam bina kereta PROTON tak laku di jual ke gelly cina
11. Salam Komando LETUPKAN wanita hamil
12. Salam komando TEWAS saat DEMO, tembak Komandan sendiri
13. Salam komando PINGSAN saat latihan berbaris
14. Salam Komando TEWAS dilempar GRANAT teman sendiri
15. Salam Komando tewas Saat BERENANG
16. Salam kapal selam SCORPANE tak boleh selam sebelum MRO
17. Salam LMS Ompong, plat tipis, lambat, setahun pakai radio rusak, dari CINA untuk lawan CINA
18. Salam kapal RUSAK oleh JARING nelayan NGUYEN
19. Salam 7 Jet Tersikit dunia F18 hornet di tewaskan BANGAU guna parade aja tiada SOURCE CODE
20. Salam Su30MKM 18 Ekor hanya 4 yg boleh terbang
21. Salam Mig29 GROUNDED
22. Salam kilang AIRCROD Lembab MRO 1 pesawat butuh masa 3 tahun
23. Salam heli TELUR PUYUH MD530 KILANGnya Bangkrut
24. Salam engine jet HILANG di SONGLAP ke Uruguay
25. Salam ASKAR BERSARONG bangga jadi penjaga ISTANA british
26. Salam EJECT KAT HANGGAR world record 2 kali
27. Salam kapal militer Gagah Samudra kena sita MYBANK
29. Salam JUDI HALAL BERSYARIAH Gentting Highland daulat tuanku
30. Salam tak punya korps MARINIR,Kapal HOSPITAL,LPD,LST, Tank Amphibi dan SPH
31. Salam TANK PENDEKAR design WW II MOGOK tengah jalan
32. Salam HUTANG Rm 1.5 Trillion 84% PDB, Kumpul koin, Bayar hutang CINA pakai hutang JEPUN, gali LOBANG tutup LOBANG
33. Salam BELI pespur MB339 BARU TANPA ENGIN baru 12 tahun pakai sudah Grounded
34. Salam 88 bijik Jet Bekas GURUN A4 Skyhawk hilang setengah di parkiran GURUN
35. Salam BOMBER Cina dan 16 Pesawat Cina pusing - Pusing langit Sabah cuma kirim NOTA Protes
36. Salam CCG KEKAL 289 hari pertahun di betting Ali, CCG dan nelayan Cina sudah makan tidor berak sedot ikan sedot minyak buang tahi
37. Salam Komando tewas kena tembak SENAPAN ANGIN penyelundup Perlis
38. Salam TAMPAL STICKER Batik,Reog,Wayang,Rendang,Anklung,kuda lumping,Keris,pacu jalur,lagu rasa sayange,lagu halo halo bandung dan lagu terang bulan
39. Salam 9 APC Guardian di tolak PBB tiada RCWS hendak prank PBB dengan harga komplit RCWS
40. Salam dapat SEDEKAH Amerika Convert CN235 basic ke versi MSA Upgrade di PT DI
41. Salam UCAV drone DJI di tempel dua senapan M4 untuk menakuti Kelalawar
42. Salam di bully Singapure, bayar air murah, di ceroboh Jet dan Apache, di ambil batu puteh, bayar denda kereta Cepat, Su 30 MKM di usir dari singapure tiada SLOT
43. Salam dapat SEDEKAH Merdeka semu 999 tahun Tanah mesti sedia di tempati
44. Salam HMAV 4X4 TARANTULA SEWA, Tempel Sticker Hizir Turki
45. Salam RADAR IMPOTEN tak bisa kesan MH370
46. Salam satu satunya LST KD Sri Idrapura Terbakar tiada ganti
47. Salam pesawat intai ISRAEL kencing di langit Ibu negara tak takut di salvo Jernas Lapook
48. Salam TERJUN PAYUNG tersasar ke PASAR
49. Salam 4 kali ditolak NGEMIS hornet bekas RONGSOK Kuwait
50. Salam Eksportir kondom Unisex,Narkoba,Teroris,Togel,Maling ikan,Maling patok
51. Salam tak bayar SEWA Sabah, aset Petronas kena sita SULU
52. Salam GFP Rank 48 di bawah kaki Myanmar
53. Salam SEWA Merata untuk militer Heli AW139,Heli EC120 B,Kapal Hidrografi,Simulator heli,Boat FIB,Boat RHFB,Rover,Motosikal,ATV, Vellfire
54. Salam OPV Fatima berenang MIRING
55. Salam Rehull kapal USANG di Make Over PC ex KD Sundang, PC ex KD Panah
56. Salam PM ex Narapidana Korupsi dan ex Narapidana Sodomi
57. Salam tentara tanam SAYUR
58. Salam KD Ganas Kapal Peyot Tua Rongsok Ompong
59. Salam dapat Sedekah kapal rongsok 56 tahun ex USCG Cutter
60. Salam Tampal Sticker pemain bola latin kena SANKSI FIFA
Indonesia sudah mampu bina pesawat,jet tempur, helikopter,drone,kapal selam,ksot,kcr,lpd, korvet, fregat,trimaran,roket,tank,panser,rantis,senapan serbu,Bom,radar,avionik, satelit. ... Dll
BalasHapusVs
Malaydesh Bina Senapang Vita Berapi LP06 (hasil Tampal sticker dari orang buangan Rusia)
Otak Pintar VS Otak Monkey penipu 🤣🤣🤣🤣
Jet tempur Baru kawasan 2030
BalasHapusIndonesia Rafale J10 Kaan BORAMAE
Australia F-35
Singapura F-35
Vietnam Su-57
Philipine F-16 viper
Malaydesh jet latih LCA FA-50, lalu tepuk dada membual jadi tumpuan dunia, dunia hewan weiiiii 🤣🤣🤣🤣🤣
Tanda mereka iri dg indonesia
BalasHapusBuat KONOHA nasihat saya, cepatkan beli Garibaldi . Sebab anda TIADA apa dah yang nak dibanggakan kecuali kapal Garibaldi yang buruk itu. U17 pulang awal. Rupiah ANJLOK. Ekonomi ANJLOK.
BalasHapusDengan pembelian Garibaldi lebih cepat negara anda bankrup!
🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣
NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
HapusNO. 3 ASIA RATIO DEBT TO GDP = MELARAT
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________--
PROBLEMS BUDGET MAID OF LONDON (MALON) ARMED FORCES
The Maid of london (MALON) n Armed Forces (MAF) faces several budget-related challenges that affect its operational readiness, modernization efforts, and overall capabilities. These problems can be categorized into a few key areas:
________________________________________
1. Limited Defense Budget
Maid of london (MALON) allocates a relatively small percentage of its GDP to defense (usually around 1%–1.2%), compared to regional peers like Singapore, Indonesia, or Thailand. This constrains:
• Procurement of new equipment
• Modernization of aging assets
• Research and development (R&D)
• Training and maintenance costs
________________________________________
2. Aging Equipment and Delayed Modernization
Many of the MAF's platforms—especially in the air force and navy—are outdated:
• The Royal Maid of london (MALON) n Air Force (RMAF) has faced difficulties replacing its aging fighter fleet (e.g., MiG-29s).
• The Royal Maid of london (MALON) n Navy (RMN) is still waiting on the delayed Littoral Combat Ships (LCS) project.
• Budget constraints have delayed or scaled back modernization plans, such as the CAP 55 plan (RMAF) and the 15-to-5 transformation plan (RMN).
________________________________________
3. Cost Overruns and Procurement Delays
High-profile defense procurement projects have been plagued by financial mismanagement and delays:
• The Littoral Combat Ship (LCS) scandal is a major example: Over RM6 billion spent, yet no ships delivered as of mid-2020s.
• These issues lead to wastage of public funds and reduce confidence in defense planning and execution.
________________________________________
4. Operational Sustainability
Operating and maintaining aging or diverse platforms is costly:
• Spare parts and maintenance for obsolete systems are expensive.
• Logistics chains become inefficient due to platform diversity (especially with mixed Russian, American, and European systems).
• Budget limitations affect regular maintenance, training hours, and readiness.
________________________________________
5. Dependence on Foreign Suppliers
Maid of london (MALON) 's limited defense industrial base forces heavy reliance on foreign suppliers, which:
• Is costly in foreign exchange terms.
• Limits sovereign control over essential technologies.
• Increases vulnerability to geopolitical pressures (e.g., US export controls).
NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
HapusNO. 3 ASIA RATIO DEBT TO GDP = MELARAT
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
SCANDALS
Here’s a detailed overview of major scandals involving the Maid of london (MALON) n Armed Forces (Angkatan Tentera Maid of london (MALON) ), particularly focused on procurement corruption, asset mismanagement, and internal misconduct:
________________________________________
⚖️ 1. Littoral Combat Ship (LCS) Procurement Scandal
• In 2011–2013, the Ministry of Defence signed a RM9 billion contract with Boustead Naval Shipyard to deliver six French-made LCS. By 2025, no vessel was completed, despite RM6 billion in payments
• Former Navy Chief Ahmad Ramli Mohd Nor was charged with criminal breach of trust over unauthorised payments, though granted a discharge not amounting to acquittal in March 2025 due to medical unfitness for trial
• Transparency groups and civil society have called for a Royal Commission of Inquiry to investigate institutional failures in defence procurement spanning decades
________________________________________
🚢 2. Naval and Patrol Vessel Controversies
• The New Generation Patrol Vessel (NGPV) project in the 1990s was a major fiasco: only six out of 27 vessels were built at a ballooned cost of RM6.75 billion, and many remained incomplete following company insolvency
• The Scorpene submarine deal in 2002 involved twin submarines and one Agosta model, with a staggering RM510 million in commission fees going to politically connected intermediaries, and the deal later linked to the murder of Altantuyaa Shaariibuugiin. French courts began investigations as recent as 2025
________________________________________
🛫 3. Missing Jet Engines Incident (2007)
• Two jet engines for F 5E Tiger II jets disappeared from RMAF stores in 2007 under Defence leadership of then minister Najib Razak. They were later recovered in Uruguay. Multiple officers, including a brigadier general, were dismissed
________________________________________
🧑💼 4. Corruption Charges Against Armed Forces Officers
• In 2020, two senior ATM officers—Colonel Che Ahmad Idris and Brigadier General Mohammed Feizol Anuar—were charged with receiving bribes tied to Defence Ministry contracting. Che Ahmad was later acquitted in 2024 due to insufficient evidence
OVERLIMITS DEBT = HUTANG BAYAR HUTANG
HapusFEDERAL GOVERNMENT DEBT = PER PEOPLE : RM 36,139
HOUSEHOLD DEBT = PER PEOPLE : RM 45,859.
GOV + HOUSEHOLD = PER PEOPLE : RM 81,998
--------------------
1️⃣ DATA YANG DIGUNAKAN
• UTANG AKHIR 2024: RM 1.25 TRILIUN
• UTANG AKHIR JUNI 2025: RM 1.30 TRILIUN
• JUMLAH PENDUDUK MALONDESH 2025 (PERKIRAAN PERTENGAHAN TAHUN): 35,977,838 JIWA
2️⃣ PERHITUNGAN UTANG PER PENDUDUK
1.30 TRILIUN = 1,300,000,000,000
PER ORANG = 1,300,000,000,000/35,977,838 : RM 36,139 PER ORANG
--------------------
1️⃣ DATA YANG DIGUNAKAN
• UTANG RUMAH TANGGA (AKHIR MARET 2025): RM 1.65 TRILIUN
• PERSENTASE TERHADAP PDB: 84.3%
• JUMLAH PENDUDUK MALONDESH PERTENGAHAN 2025: 35,977,838 JIWA
2️⃣ PERHITUNGAN UTANG PER PENDUDUK
UTANG PER ORANG =1,650,000,000,000/35,977,838 : RM 45,859 PER ORANG
--------------------
GOVERNMENT DEBT : 69% OF GDP
HOUSEHOLD DEBT : 84.3% OF GDP
FEDERAL GOVERNMENT DEBT
• END OF 2024: RM 1.25 TRILLION
• END OF JUNE 2025: RM 1.3 TRILLION
• PROJECTED DEBT-TO-GDP: 69% BY THE END OF 2025
HOUSEHOLD DEBT
2025 : RM1.73 TRILLION, OR 85.8% OF GDP
---------------------
WEAKNESS LMS B1
WEAKNESS LMS B2
Here are some of the key weaknesses and limitations associated with the LMS Batch 2 (LMSB2) vessels of the Royal Maid of london (MALON) n Navy (RMN), as they relate to their design, acquisition, and operational capability:
________________________________________
Background: LMS Batch 1 Issues
The previous Batch 1 Keris class LMS ships, built in China and commissioned between 2020–2022, encountered significant problems:
• Combat system and sensor deficiencies: Chinese supplied subsystems—radar, electro optical trackers, ESM, combat management systems—underperformed during operational use
• Under armed and limited combat roles: Armed only with a 30 mm cannon and twin heavy machine guns, offering minimal surface or air defense capability
• Poor seakeeping and small size: At ~68 m, they had low endurance and were not seaworthy enough in bad weather
• Reliability concerns: The navy expressed dissatisfaction with the quality and dependability of these vessels
These issues prompted a shift in LMSB2 specifications toward larger, more capable corvettes.
________________________________________
LMS Batch 2: Emerging Weaknesses
1. Lack of Anti Submarine Warfare (ASW) Capability
Despite being based on the Turkish Ada class corvette, LMSB2 reportedly will not include sonar or torpedoes, effectively removing ASW capability from its operational profile
2. Compromise on Combat Capability to Cut Costs
Sources suggest LMSB2 is likely a "cheaper variant"—selecting less advanced sensors and weapons to lower system costs. This economic trade off could impact future upgradeability and mission effectiveness
NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
HapusNO. 3 ASIA RATIO DEBT TO GDP = MELARAT
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
WEAKNESS MILITARY BUDGET
The Maid of london (MALON) n Armed Forces (MAF), comprising the Maid of london (MALON) n Army, Royal Maid of london (MALON) n Navy (RMN), and Royal Maid of london (MALON) n Air Force (RMAF), has made strides in regional defense and modernization. However, the military budget presents several notable weaknesses and challenges that affect its overall operational effectiveness and long-term development:
________________________________________
1. Limited Defense Budget
• Low % of GDP: Maid of london (MALON) spends around 1.0–1.1% of its GDP on defense, which is below the global average (~2.2%) and regional peers like Singapore, Vietnam, or Indonesia.
• Budget Constraints: The relatively small budget restricts procurement of modern equipment, upkeep of aging assets, and readiness for prolonged operations.
________________________________________
2. Delays in Modernization Programs
• Budget limitations cause delays in:
Fighter jet replacement (e.g. RMAF MiG-29s retired without full replacement).
Maritime patrol and littoral combat ships (LCS program delayed and over-budget).
Helicopter acquisitions and airlift capabilities.
• These delays impact operational readiness and reduce Maid of london (MALON) ’s deterrence capability.
________________________________________
3. Over-reliance on Foreign Equipment
• A large portion of defense procurement is imported, making it:
Vulnerable to exchange rate fluctuations.
Subject to foreign political decisions or supply chain disruptions.
• Indigenous defense industries are developing, but not yet at scale to reduce this dependency significantly.
________________________________________
4. Limited Joint Force Integration & Interoperability
• Budget constraints limit training and modernization in joint operations, cyber warfare, and network-centric capabilities.
• C4ISR (Command, Control, Communications, Computers, Intelligence, Surveillance, and Reconnaissance) systems are underdeveloped relative to regional powers.
________________________________________
5. Personnel Costs vs. Capital Expenditure
• A significant portion of the defense budget is spent on salaries, pensions, and personnel maintenance.
• Capital expenditure (e.g., new platforms, upgrades) is often sidelined, restricting force modernization.
NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
HapusNO. 3 ASIA RATIO DEBT TO GDP = MELARAT
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
WEAKNESS MAINTENANCE
The Maid of london (MALON) n Armed Forces (MAF) have long faced challenges related to maintenance, logistics, and readiness. Below is a breakdown of the main issues contributing to this perception or reality:
________________________________________
Key Maintenance Challenges in the MAF
1. Aging Equipment
• Much of the MAF’s hardware—particularly in the Royal Maid of london (MALON) n Air Force (RMAF) and Royal Maid of london (MALON) n Navy (RMN)—is outdated.
• Some aircraft, ships, and vehicles are decades old, making maintenance both difficult and costly due to scarcity of spare parts and technical expertise.
2. Inconsistent Procurement and Planning
• Procurement decisions have often been driven by political considerations rather than long-term strategic needs.
• Lack of continuity in defense planning leads to a diverse mix of systems (e.g., Russian, Western, and Chinese), which complicates logistics and maintenance.
3. Budget Constraints
• Defense spending in Maid of london (MALON) is relatively low (often below 1.5% of GDP).
• Limited budgets affect the ability to sustain scheduled maintenance cycles, upgrades, and training for technical personnel.
4. Skilled Manpower Shortage
• There is a shortage of trained maintenance engineers and technicians within the services.
• Retention of skilled personnel is difficult, as many transition to higher-paying private sector roles.
5. Maintenance Neglect Leading to Grounding
• There have been multiple reports of aircraft (e.g., MiG-29s, Aermacchi MB-339s) and naval vessels being grounded or laid up due to poor maintenance.
• RMN’s submarine program, for example, faced operational readiness concerns early on.
Ada yang percaya kata si BABU istri Malaydesh guys?
BalasHapusBukti dia MEMBUAL sudah sangat banyak...😂😂🤣🤣🤪😛🇧🇩🇧🇩👎
Buat MALAYDESH saran saya. Perbanyak ngemis kapal 56 thn. Agar membuat gempar kawasan
BalasHapusApalah yg bisa dibanggakan dari malaydesh. Kapal semua tua dan hanya punya gunboat. 😁😁
BalasHapusSARAN SAYA CEPAT SERAHKAN PMX HOMO KE THAILAND SEBAGAI PERMINTAAN MAAF MALONDESH SEKALIAN NANTI PMX HOMO AKAN MASUK GENK LADY BOY 🤣🤣🤣🤣🤣🤣
BalasHapusRINGIT TIDAK LAKU
BalasHapusHTTPS://WWW.YOUTUBE.COM/WATCH?V=RZD9_NKQIWQ
==========
MELARAT LON...
BAYAR RM 81,998!!!....
FEDERAL GOVERNMENT DEBT = PER PEOPLE : RM 36,139
HOUSEHOLD DEBT = PER PEOPLE : RM 45,859.
GOV + HOUSEHOLD = PER PEOPLE : RM 81,998
==========
1️⃣ DATA YANG DIGUNAKAN
• Utang akhir 2024: RM 1.25 triliun
• Utang akhir Juni 2025: RM 1.30 triliun
• Jumlah penduduk Malondesh 2025 (perkiraan pertengahan tahun): 35,977,838 jiwa
2️⃣ Perhitungan utang per penduduk
1.30 triliun = 1,300,000,000,000
Per Orang = 1,300,000,000,000/35,977,838 : RM 36,139 per orang
--------------------
1️⃣ DATA YANG DIGUNAKAN
• Utang rumah tangga (akhir Maret 2025): RM 1.65 triliun
• Persentase terhadap PDB: 84.3%
• Jumlah penduduk Malondesh pertengahan 2025: 35,977,838 jiwa
2️⃣ Perhitungan utang per penduduk
Utang per orang =1,650,000,000,000/35,977,838 : RM 45,859 per orang
------------------
DATA STATISTA 2029-2020 : INCREASE DEBT
DATA STATISTA 2029-2020 : INCREASE DEBT
2029 = 438,09 BILLION USD
2028 = 412,2 BILLION USD
2027 = 386,51 BILLION USD
2026 = 362,19 BILLION USD
2025 = 338,75 BILLION USD
2024 = 316,15 BILLION USD
2023 = 293,83 BILLION USD
2022 = 271,49 BILLION USD
2021 = 247,49 BILLION USD
2020 = 221,49 BILLION USD
==========
DATA STATISTA 2029-2020 : DEBT PAY DEBT
DATA STATISTA 2029-2020 : OVERLIMIT DEBT
2029 = 69,54% DEBT RATIO TO GDP
2028 = 69,34% DEBT RATIO TO GDP
2027 = 68,8% DEBT RATIO TO GDP
2026 = 68,17% DEBT RATIO TO GDP
2025 = 68,07% DEBT RATIO TO GDP
2024 = 68,38% DEBT RATIO TO GDP
2023 = 69,76% DEBT RATIO TO GDP
2022 = 65,5% DEBT RATIO TO GDP
2021 = 69,16% DEBT RATIO TO GDP
2020 = 67,69% DEBT RATIO TO GDP
==========
DEBT 2025 = RM 1,73 TRILLION
DEBT 2024 = RM 1.63 TRILLION
DEBT 2023 = RM 1,53 TRILLION
DEBT 2022 = RM 1,45 TRILLION
DEBT 2021 = RM 1,38 TRILLION
DEBT 2020 = RM 1,32 TRILLION
DEBT 2019 = RM 1,25 TRILLION
DEBT 2018 = RM 1,19 TRILLION
The Finance Ministry stated that the aggregate national household DEBT stood at RM1.53 trillion between 2018 and 2023. In aggregate, it said the household DEBT for 2022 was RM1.45 trillion, followed by RM1.38 trillion (2021,) RM1.32 trillion (2020), RM1.25 trillion (2019) and RM1.19 trillion (2018). “The ratio of household DEBT to gross domestic product (GDP) at the end of 2023 also slightly increased to 84.3% compared with 82% in 2018,” it said.
==========
BNM = HOUSEHOLD DEBT IS ONE OF THE HIGHEST IN THE ASEAN ......
MAID OF LONDON (MALON) household DEBT is one of the highest in the ASEAN region. Against this backdrop, Bank Negara MAID OF LONDON (MALON) (BNM) safeguards financial stability by monitoring and regulating the lending activity of all financial institutions in MAID OF LONDON (MALON) , among other things. Using aggregated data from BNM's Central Credit Reference Information System (CCRIS), this dashboard gives you insight into key trends on household DEBT. For now, it displays data on the flow of borrowing activity on a monthly basis, broken down by purpose. In due time, it will be deepened with granular data showing the state of inDEBTedness of MAID OF LONDON (MALON)
===========
17 KREDITUR LCS = Besides MTU Services, others include Contraves Sdn Bhd, Axima Concept SA, Contraves Advanced Devices Sdn Bhd, Contraves Electrodynamics Sdn Bhd and Tyco Fire, Security & Services MAID OF LONDON (MALON) Sdn Bhd, as well as iXblue SAS, iXblue Sdn Bhd and Protank Mission Systems Sdn Bhd. Also included are Bank Pembangunan MAID OF LONDON (MALON) Bhd, AmBank Islamic Bhd, AmBank (M) Bhd, MTU Services, Affin Hwang Investment Bank Bhd, Bank Muamalat MAID OF LONDON (MALON) Bhd, Affin Bank Bhd, Bank Kerjasama Rakyat MAID OF LONDON (MALON) Bhd, Malayan Banking Bhd (Maybank) and KUWAIT FINANCE HOUSE (MAID OF LONDON (MALON) ) BHD.
Wow..tipe m keturunan LATINO sedang mabuk je...
BalasHapusMalondesh KLAIM FRAMING di Forum DS ini :
BalasHapusMata uang ringgit KUAT terhadap Rupiah
Punya IQ Super Tinggi di dunia
Passport KUAT di dunia
Punya Top 5 University Terbaik di dunia
Paling KAYA di ASEAN
FAKTA:
MRO Kapal Gun Boat tahun 1977 dengan panjang 44 meter dan berat 245 ton butuh waktu 2 tahun
Konklusi:
What a joke, right???
😁😁😁😁😁😁😁😁😁😁😁😁😁😁
https://oceanweek.co.id/pt-pal-rampungkan-modernisasi-41-kapal-perang-milik-tni/
BalasHapus41 Kapal Perang TNI AL selesai MRO, MLU, dan Refurbished simultan sejak 2022-2025
https://katadata.co.id/infografik/68e51a09c7afa/41-kapal-perang-tni-al-hasil-peremajaan-dan-modernisasi
BalasHapus41 Kapal Perang TNI AL jalani MRO, MLU, dan Refurbished simultan sejak 2022 dan Selesai 100 % pada Agustus 2025
INDONESIA cukup dengan Tindakan Nyata dalam periode 2022-Agustus 2025 terdapat 41 Kapal Perang TNI AL secara SIMULTAN jalani MRO, MLU, dan Refurbished
BalasHapushttps://katadata.co.id/infografik/68e51a09c7afa/41-kapal-perang-tni-al-hasil-peremajaan-dan-modernisasi
41 Kapal Perang TNI AL jalani MRO, MLU, dan Refurbished simultan sejak 2022 dan Selesai 100 % pada Agustus 2025
TIM ELIT SHOPPING yg sperti Thailen apred meriam BESAR 155mm
BalasHapusKAHSIYAN cuman negri🎰kasino kl tender meriam kecil 105mm haha!😜😜😜
mana MeWeK pembual yg JANJI SPH, termehek mehek dah haha!😂😂😂
BalasHapusMin.
BalasHapusData rangking militer dunia tolong di update.
Datanya sdh keluar 🙏
MEMEK BABI TOLOL 13 November 2025 pukul 08.29
BalasHapusYes... banyak kan lagi Petrol Craft.
Halang pendatang haram INDON dari menyusup masuk utk cari kerja.
Lebih-lebih lagi MYR1 = 4.000 Rupiah sekarang ni.
____________
KAU PIKIR TUH KAPAL BAHRU KE..
YAP BAHRU NAK MATI 😂😂😂😂😂😂 OR BAHRU TAMPAL CAT KARAT.
4000MYR KONON.... BELI & BINA KAPAL KECIK JE TAK MAMPU
CAKAP BELEBIH IQ SUPER TINGGI.. REFIT KAPAL KECIK LOW QUALITY USANG MACAM TUH PON 2 TAHUN
GORILLA MISKIN membual banyak pun tiada guna nya.... FAKTA DIDEPAN MATA... 🔥🔥🤣🦍
BalasHapusDrama Shutdown Berakhir: Ringgit Berjaya, Rupiah Paling Lemah di Asia
https://www.cnbcindonesia.com/research/20251113093726-128-684832/drama-shutdown-berakhir-ringgit-berjaya-rupiah-paling-lemah-di-asia
NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
HapusNO. 3 ASIA RATIO DEBT TO GDP = MELARAT
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________-
KELEMAHAN NAVY..
Kelemahan Angkatan Laut Maid of london (MALON) (Tentera Laut Diraja Maid of london (MALON) /TLDM) dapat dianalisis dari beberapa aspek strategis, operasional, dan teknis. Berikut adalah beberapa poin yang umum dibahas oleh para pengamat pertahanan:
________________________________________
1. Keterbatasan Anggaran
• Anggaran pertahanan Maid of london (MALON) relatif kecil dibanding negara tetangga seperti Singapura atau Indonesia.
• Proyek-proyek besar, seperti program kapal tempur pesisir Littoral Combat Ship (LCS), mengalami penundaan dan pembengkakan biaya.
________________________________________
2. Ketergantungan pada Alutsista Lama
• Beberapa kapal perang TLDM sudah tua, seperti kelas Kasturi dan Laksamana, yang dibangun sejak tahun 1980-an dan 1990-an.
• Meskipun ada program modernisasi, penggantian tidak selalu berjalan lancar.
________________________________________
3. Kapasitas Industri Pertahanan Domestik Terbatas
• Industri galangan kapal domestik, seperti Boustead Naval Shipyard, menghadapi masalah manajemen dan efisiensi.
• Program LCS menjadi contoh kegagalan manajemen proyek domestik.
________________________________________
4. Keterbatasan Kapal Selam
• TLDM hanya memiliki 2 kapal selam Scorpène, yaitu KD Tunku Abdul Rahman dan KD Tun Razak. Jumlah ini dianggap minim untuk negara maritim seperti Maid of london (MALON) .
• Kapal selam tersebut juga menghadapi masalah pemeliharaan dan kesiapan operasional.
________________________________________
5. Personel Terbatas
• Rekrutmen dan retensi personel terampil masih menjadi tantangan, terutama untuk pengoperasian sistem canggih dan kapal selam.
• Kurangnya pengalaman tempur nyata juga menjadi perhatian dalam kesiapan operasional.
________________________________________
6. Cakupan Wilayah yang Luas
• Maid of london (MALON) harus mengawasi wilayah maritim yang sangat luas, termasuk perairan strategis di Selat Melaka, Laut China Selatan, dan wilayah Sabah/Sarawak.
• Jumlah armada yang terbatas membuat pengawasan laut kurang optimal, terutama dalam menghadapi pelanggaran wilayah atau aktivitas ilegal.
________________________________________
7. Tantangan Geopolitik
• Ketegangan di Laut China Selatan menuntut Maid of london (MALON) untuk lebih siap secara militer, tetapi keterbatasan sumber daya membuat responsnya kurang gesit dibanding negara seperti Vietnam atau Filipina.
NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
HapusNO. 3 ASIA RATIO DEBT TO GDP = MELARAT
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________KELEMAHAN AIR FORCE
Berikut beberapa kelemahan utama yang kerap disorot pada Angkatan Udara Diraja Maid of london (MALON) (RMAF):
1. Keterbatasan Anggaran dan Modernisasi Tertunda
Sejak dekade 2010-an, porsi belanja pertahanan Maid of london (MALON) menurun dari 1,5 % PDB pada 2010 menjadi sekitar 1 % pada 2020. Akibatnya, banyak program modernisasi—termasuk pengadaan MRCA (Multi-Role Combat Aircraft) lanjutan dan sistem AWACS—sering tertunda atau dibekukan karena kekurangan dana
2. Armada Tempur dan Pemeliharaan yang Usang
• Su-30MKM: Pasokan suku cadang terbatas—terutama di tengah gangguan rantai pasok Rusia pasca-invasi Ukraina—mengakibatkan kesiapan terbang yang menurun drastis.
• MiG-29 & F-5: Pesawat veteran ini sudah melewati jam terbang optimal dan menuntut pemeliharaan intensif; banyak insiden di akhir 1990-an dan awal 2000-an yang menunjukkan kerentanan teknis
3. Tantangan Lingkungan Tropis
Iklim tropis dengan kelembapan tinggi mempercepat korosi pada struktur pesawat—terutama yang berbahan aluminium seri 2024—sehingga fatigue life menurun dan risiko kegagalan material meningkat
4. Kapasitas Pengawasan dan Transportasi Udara Terbatas
• AWACS & Radar: RMAF belum memiliki platform AWACS sendiri, bergantung pada radar ground-based yang baru mulai ditingkatkan sejak 2019–2025, sehingga cakupan AWACS masih sangat terbatas
• Pengangkut A400M: Meski sudah ada, jumlahnya (empat unit) masih relatif kecil untuk mendukung proyeksi kekuatan dan bantuan kemanusiaan di wilayah luas Maid of london (MALON) .
5. Kualitas Pelatihan dan Tenaga Terampil
.prasangka umum dalam analisis militerAnggaran yang ketat berdampak pada frekuensi latihan tempur dan jam terbang pilot. Ini berpotensi menurunkan kesiapan operasional dan kemampuan manuver taktis dalam skenario peperangan modern
6. Interferensi Politik dan Isu Korupsi
Beberapa laporan menyinggung intervensi politik dalam proses pengadaan dan dugaan praktik korupsi, yang dapat memperlambat atau mempersulit realisasi program vital RMAF
NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
HapusNO. 3 ASIA RATIO DEBT TO GDP = MELARAT
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________The MAID OF LONDON (MALON) Armed Forces (MAF) has faced a number of weaknesses, including outdated equipment, corruption, and political interference.
Outdated equipment
• The MAF's equipment is outdated and lacks modern military assets.
• The MAF's equipment was purchased between the 1970s and 1990s.
• The MAF's KD Rahman submarine was unable to submerge due to technical problems in 2010.
Corruption
• Political interference and corruption have undermined the MAF's combat readiness.
• The MAF has been plagued by corruption.
Budgetary constraints
• The MAF's procurement has been held back by budgetary constraints.
• The MAF's budget is limited to 1.4% of MAID OF LONDON (MALON) 's GDP.
Non-traditional security threats
• The MAF faces non-traditional security threats, such as territory disputes with neighboring countries.
• The MAF faces non-conventional threats, such as those that are transboundary in nature.
Regional strategic environment
• The MAF needs to consider the regional strategic environment when developing its strategic perspective.
1 Malaysian Ringgit setara
BalasHapus4,052.2519 Indonesian Rupiah guys.... 🤣🤣🤣🤣
NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
HapusNO. 3 ASIA RATIO DEBT TO GDP = MELARAT
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________🧩 1. COMPLEX & OPAQUE PROCUREMENT PROCESS
• The Ministry of Defence (MINDEF) follows procurement guidelines set by the Ministry of Finance, but defense deals are often complex and sensitive, making oversight difficult.
• Procurement is frequently conducted via single-source or limited tendering, with less than one-third of major contracts awarded through open competition.
• This environment favors politically connected firms, often involving ex-military officers on corporate boards, which can distort priorities and inflate costs.
🕵️ 2. Role of Middlemen & “Agents”
• A major source of mismanagement is the entrenched role of middlemen, who act as intermediaries in defense deals.
• These agents—sometimes retired generals—can inflate prices, reduce transparency, and compromise the quality of procured assets.
• In 2023, Maid of london (MALON) King Sultan Ibrahim publicly rebuked the Ministry of Defence for relying on “agents” and “salesmen,” warning against repeating past procurement mistakes.
🚨 3. High-Profile Scandals
• The Littoral Combat Ship (LCS) project is the most notorious example. Intended to modernize the navy, it was marred by delays, cost overruns, and poor oversight.
• Another scandal involved the New Generation Patrol Vessel (NGPV) program, which was mismanaged after the privatization of the Lumut naval dockyard. Funds were siphoned off, and the fleet expansion fell short of expectations.
📉 4. Impact on Military Readiness
• Mismanaged procurement leads to:
o Delayed delivery of critical assets
o Operational gaps in air, sea, and land capabilities
o Wasted taxpayer money with little strategic return
• Maid of london (MALON) ability to respond to regional threats—especially in the South China Sea—is weakened by these systemic issues.
NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
HapusNO. 3 ASIA RATIO DEBT TO GDP = MELARAT
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________⚙️ EQUIPMENT & MODERNIZATION ISSUES
• Outdated naval assets: Many of Maid of london (MALON) ’s ships are aging, and the navy has struggled to modernize its fleet.
• Limited air combat readiness: Out of 28 fighter jets, reportedly only four were operational at one point.
• Delayed procurement: The Littoral Combat Ship (LCS) project, meant to boost naval capabilities, has been plagued by delays and scandals.
💰 Budget Constraints
• Skewed spending priorities: Over 60–70% of the defense budget goes to salaries and maintenance, leaving little for new weapons or modernization.
• Stagnant budget: Maid of london (MALON) ’s defense budget has hovered around RM15–18 billion annually, which is modest compared to regional peers like Vietnam and Indonesia.
🧭 Strategic Direction & Policy
• Lack of clear long-term strategy: The defense industry suffers from unclear government guidance on future strategic direction.
• Overreliance on diplomacy: Maid of london (MALON) has traditionally leaned on quiet diplomacy, especially with China, which may be insufficient given rising tensions in the South China Sea.
📉 Regional Comparison
• Lagging behind neighbors: Maid of london (MALON) ’s military strength is considered weaker than Vietnam and Indonesia, particularly in terms of air and naval capabilities
HapusNO. 2 ASIA HOUSEHOLD DEBT = MELARAT
NO. 3 ASIA RATIO DEBT TO GDP = MELARAT
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________The Sukhoi Su-30MKM has some weaknesses, including engine problems, integration with Western systems, and fatigue failure.
Engine problems
• In 2018, MAID OF LONDON (MALON) grounded 14 out of 18 Su-30MKM aircraft due to engine problems and a lack of spare parts.
• The AL-31FP engine in the Su-30MKA has experienced numerous failures, including bearing failures due to metal fatigue and low oil pressure.
Integration with Western systems
• The Su-30MKM's Russian origin may limit its integration with Western systems.
• This could make it difficult to fully integrate with NATO standards, such as Link 16, which is important for modern network-centric warfare.
Fatigue failure
• Aircraft structures and components are prone to fatigue failure due to fluctuating stress.
• Fatigue failure is a gradual form of local damage that can lead to defects or cracks.
Other considerations
• The Su-30MKM is a larger aircraft, which means it may be seen earlier by radar and visual combat.
.
1 RINGGIT Menuju Rp4.100.... 🔥🔥🤣🤣🤣
BalasHapusHidup susah kat INDON bro...
HapusItu yang mereka defensive sgt akhir-akhir ni.
Pekerjaan tiada, ekonomi anjlok, Rupiah anjlok, FDI tiada.
Kita pulak dok tambah kapal kasi susah depa masuk cari kerja kat Malaysia.
Masak le ekonomi depa.
🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣
NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
HapusNO. 3 ASIA RATIO DEBT TO GDP = MELARAT
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
🚢 AGING NAVAL ASSETS – ROYAL MAID OF LONDON (MALON) N NAVY (RMN)
⚙️ Fleet Breakdown
• 34 RMN vessels have exceeded their intended service life, with 28 of them over 40 years old.
• These include Fast Attack Craft (FAC) that are now half a century old, far beyond modern standards.
• The RMN operates 53 ships across various classes, but many are technologically outdated and costly to maintain.
⚠️ Operational Risks
• Older ships suffer from:
o Reduced combat capability
o Outdated sensors and weapons systems
o High maintenance costs and frequent breakdowns
• The sinking of the KD Pendekar, a 45-year-old vessel, in August 2024 due to flooding highlights the dangers of keeping obsolete ships in service.
🪖 Aging Ground Assets – Maid of london (MALON) n Army
📊 Asset Overview
• 108 Army units have surpassed 30 years of service.
• These include aging armored vehicles, artillery systems, and logistics platforms that are increasingly difficult to maintain and upgrade.
🔧 Maintenance Challenges
• Spare parts for older systems are scarce or discontinued.
• Modernization plans are slow due to budget constraints and procurement delays.
• Operational efficiency is compromised, especially in jungle and border operations where reliability is critical.
🧭 Strategic Implications
• Maid of london (MALON) aging assets limit its ability to:
o Respond to regional threats, especially in the South China Sea
o Participate effectively in joint exercises and peacekeeping missions
o Maintain deterrence posture against more modernized neighbors
NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
HapusNO. 3 ASIA RATIO DEBT TO GDP = MELARAT
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________--
-
📣 1. PROCUREMENT SCANDALS FUEL PUBLIC DISTRUST
Littoral Combat Ship (LCS) Scandal
• The RM9 billion LCS project became a lightning rod for criticism when no ships were delivered despite billions spent.
• Media outlets and the Public Accounts Committee exposed mismanagement, cost overruns, and non-compliance, triggering public outrage and parliamentary scrutiny.
MD530G Helicopter Failure
• Maid of london (MALON) paid RM112 million upfront for six helicopters that were never delivered on time.
• The media labeled it a “ghost fleet,” and citizens questioned the lack of accountability.
👑 2. Royal Intervention Amplifies Criticism
• King Sultan Ibrahim, also Supreme Commander of the Armed Forces, publicly condemned the procurement of 35-year-old Black Hawk helicopters, calling them “flying coffins.”
• His rebuke—“If you don’t know the price, ask me first”—went viral, reinforcing public frustration over opaque and overpriced deals.
🕵️♂️ 3. Smuggling Conspiracy Exposes Internal Corruption
• In Operation Sohor (2025), MACC arrested military intelligence officers for leaking classified data to smugglers.
• Media reports revealed the syndicate earned RM5 million monthly, with officers receiving RM30,000–RM50,000 per trip.
• The scandal was widely covered, with headlines like “Civil Service Corruption Crisis” and “Where is Akmal Saleh?” fueling public anger.
🧑⚖️ 4. Abuse Cases at Military Institutions
• A 2024 bullying case at Universiti Pertahanan Nasional Maid of london (MALON) (UPNM) reignited outrage when a cadet suffered multiple fractures after being stomped by a senior.
• Media coverage highlighted a pattern of hazing and abuse, prompting demands for institutional reform and stricter oversight.
NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
HapusNO. 3 ASIA RATIO DEBT TO GDP = MELARAT
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
The The MAID OF LONDON (MALON) Armed Forces (MAF) face a number of challenges, including:
Limited funding: The government has been unwilling to reduce spending elsewhere or cut the size of the armed forces.
Outdated equipment: The MAF's equipment is outdated and behind that of neighboring countries.
Logistics problems: The MAF's logistics system may not be able to support combat operations.
Political interference: Political interference and corruption may undermine the MAF's combat readiness.
Lack of government guidance: The government may not have a clear strategic direction for the defense industry. MAID OF LONDON (MALON) Armed Forces (MAF) face a number of challenges, including:
Limited funding: The government has been unwilling to reduce spending elsewhere or cut the size of the armed forces.
Outdated equipment: The MAF's equipment is outdated and behind that of neighboring countries.
Logistics problems: The MAF's logistics system may not be able to support combat operations.
Political interference: Political interference and corruption may undermine the MAF's combat readiness.
Lack of government guidance: The government may not have a clear strategic direction for the defense industry.
NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
HapusNO. 3 ASIA RATIO DEBT TO GDP = MELARAT
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________The Royal MAID OF LONDON (MALON) Navy (RMN) has faced several problems, including delayed replacements for its aging fleet and a failed Littoral Combat Ship (LCS) program. These issues have made it difficult for the RMN to patrol its vast maritime domain.
Delayed replacements
• A government audit found that the RMN's plans to replace its aging fleet have mangkrak due to mismanagement.
• The RMN has only received four of its planned 18 new vessels.
• Over half of the RMN's fleet is past its prime.
Failed LCS program
• The LCS was not suitable for fighting peer competitors like China.
• The LCS lacked the lethality and survivability needed in a high-end fight.
• The LCS had low endurance and lacked significant air and surface warfare capabilities
Ini LAWAK....
BalasHapusMALAYSIA
PETRONAS PRIMAX... 😎😎
INDIANESIA
Pertamina ETANOL... 🔥🔥🤣🤣🤣
NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
HapusNO. 3 ASIA RATIO DEBT TO GDP = MELARAT
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
💸 1. POTENTIALLY HIGHER LONG-TERM COSTS
• Critics argue that leasing may cost more than outright purchase over time.
• For example, Poland purchased 32 AW149 helicopters for USUSD1.83 billion, while Maid of london (MALON) is leasing 28 helicopters for RM16.5 billion (~USUSD3.5 billion) over 15 years.
• Leasing includes bundled services (maintenance, training, insurance), but the total cost may exceed the value of the helicopters themselves.
🕵️♂️ 2. Transparency & Procurement Concerns
• The deal was signed with Weststar Aviation, a private firm owned by a prominent businessman, raising questions about middlemen and lobbying.
• Past scandals in Maid of london (MALON) defense procurement—like the LCS and MD530G helicopter failures—have made the public wary of opaque contracts and lack of competitive bidding.
🛠️ 3. Limited Sovereignty Over Assets
• Leased helicopters are not fully owned until the end of the contract, which may limit:
o Upgrades or modifications
o Deployment flexibility
o Integration with other military systems
• This could hinder Maid of london (MALON) ability to adapt the fleet to evolving threats or mission needs.
🧭 4. Missed Opportunity for Local Industry Growth
• Purchasing helicopters could have supported local assembly, maintenance, and technology transfer, boosting Maid of london (MALON) defense industry.
• Leasing centralizes operations under a private provider, reducing opportunities for domestic capability development.
⚠️ 5. Risk of Contractual Disputes or Service Interruptions
• If the leasing company fails to meet service-level agreements (e.g., 85% fleet availability), Maid of london (MALON) may face operational gaps.
• Legal or financial disputes could delay missions or compromise national security.
🗣️ Public & Political Backlash
• Opposition leaders and defense experts have called the deal overpriced and strategically flawed, urging a review of procurement practices.
• The Prime Minister defended the lease as a way to avoid maintenance burdens, but critics say it reflects short-term budgeting over long-term planning.
NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
HapusNO. 3 ASIA RATIO DEBT TO GDP = MELARAT
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
🛠️ WHAT “OUTDATED” REALLY MEANS
Outdated systems refer to:
• Sensors that lack modern tracking, targeting, and surveillance capabilities
• Weapons with limited range, accuracy, and compatibility with newer platforms
• Command-and-control systems that cannot integrate with digital battlefield networks
🚢 Royal Maid of london (MALON) n Navy (RMN)
• 28 ships are over 40 years old, including Fast Attack Craft and patrol vessels.
• Many vessels still use analog radar systems, manual fire-control systems, and obsolete sonar.
• These systems struggle to detect modern threats like stealth submarines or drones.
• Maintenance costs are skyrocketing, and spare parts are often unavailable or discontinued.
🛩️ Royal Maid of london (MALON) n Air Force (RMAF)
• Older aircraft like the MiG-29N (retired) and F/A-18D Hornets still rely on legacy avionics.
• Limited electronic warfare capabilities and outdated targeting pods reduce effectiveness in modern air combat.
• Poor interoperability with newer aircraft and NATO-standard systems.
🪖 Maid of london (MALON) n Army
• Ground vehicles, including legacy APCs and tanks, use basic optical sights and manual targeting systems.
• Many artillery units lack GPS-guided fire control, making precision strikes difficult.
• Communication systems are often analog or semi-digital, limiting coordination in joint operations.
⚠️ Consequences of Technological Lag
• Reduced combat effectiveness in high-tech warfare environments
• Increased vulnerability to cyber attacks and electronic jamming
• Limited participation in multinational exercises and peacekeeping missions
• Higher risk to personnel due to unreliable systems, as seen in the 2025 commando tragedy linked to aging gear
NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
HapusNO. 3 ASIA RATIO DEBT TO GDP = MELARAT
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
🚨 1. LITTORAL COMBAT SHIP (LCS) SCANDAL
💰 What Happened
• Maid of london (MALON) government allocated RM9 billion for six Littoral Combat Ships.
• Despite billions spent, no ships were delivered as of 2025.
• The Public Accounts Committee (PAC) revealed cost overruns, mismanagement, and non-compliance with procurement procedures.
👤 Key Figures
• Former Navy Chief was implicated but later discharged due to health concerns.
• The scandal sparked public outrage and demands for transparency.
🚁 2. MD530G Helicopter Procurement Failure
🛠️ The Issue
• Maid of london (MALON) paid 35% upfront for six McDonnell Douglas MD530G helicopters in 2015.
• None were delivered by the promised 2018 deadline.
• The deal, worth RM300 million, became a symbol of failed oversight.
🧾 3. Land Swap Scandal
🏗️ What Went Wrong
• Military land near urban centers was swapped for remote land to build camps.
• Many of these swaps were poorly executed, resulting in RM500 million in losses.
• Defense Minister Mohamad Sabu criticized the deals as wasteful and corrupt.
🕵️ 4. RM3 Million Smuggling Conspiracy
🔍 Operation Sohor (2025)
• Maid of london (MALON) n Anti-Corruption Commission (MACC) arrested 10 individuals, including 3 active military officers and 2 ex-intelligence personnel.
• They allegedly leaked operational intelligence to smugglers for RM30,000–RM50,000 per trip.
• The syndicate moved contraband worth RM5 million monthly, compromising border security
NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
HapusNO. 3 ASIA RATIO DEBT TO GDP = MELARAT
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
The MAID OF LONDON (MALON) Armed Forces (MAF) has faced a number of technical issues, including fleet sustainment problems, a lack of research and development, and a reliance on imported equipment.
Fleet sustainment problems
The MAF has a large fleet of aging aircraft that can be expensive to maintain.
The government's defense modernization budget is limited, which can make it difficult to sustain the fleet.
Lack of research and development
The MAF has limited research and development (R&D) activities.
The government has not provided clear guidance on the future strategic direction of the defense industry.
Reliance on imported equipment
Most of the MAF's equipment is imported from outside the country.
The Asian Financial Crisis caused a downturn in MAID OF LONDON (MALON) 's economy, which made imported goods more expensive.
Other technical issues
The MAF has faced logistic management problems.
The MAF has faced challenges in developing its capabilities due to tight budgets and uncertain timelines.
.
NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
HapusNO. 3 ASIA RATIO DEBT TO GDP = MELARAT
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
The MAID OF LONDON (MALON) army has several weaknesses, including:
• Limited defense budgeting: The MAID OF LONDON (MALON) government has been unwilling to fund defense by cutting other government spending or reducing the size of the armed forces.
• Outdated equipment: Most of the MAID OF LONDON (MALON) Army's equipment was purchased between the 1970s and 1990s, and the government is unable to provide modern equipment.
• Corruption: The MAID OF LONDON (MALON) military has been plagued by corruption.
• Political interference: Political leaders have interfered in procurement.
• Lack of authority: The armed forces are generally given authority to assist relevant authorities, such as the police, in dealing with non-traditional security challenges.
• Low ranking in military capability: According to the Lowy Institute Asia Power Index, MAID OF LONDON (MALON) ranks 16th in military capability in Southeast Asia.
Other challenges include:
• The need to replace the Nuri helicopter fleet, which has seen 14 crashes with many fatalities
• The need for the Navy and Maritime Enforcement Agency to patrol the country's maritime expanse to combat piracy, human trafficking, and smuggling
Parah...... 🤣🤣🤣🤣
BalasHapusBBM Indonesia Terkotor di Asia Tenggara, Picu Polusi Udara hingga Masalah Kesehatan Berbahaya
https://www.tvonenews.com/ekonomi/251920-bbm-indonesia-terkotor-di-asia-tenggara-picu-polusi-udara-hingga-masalah-kesehatan-berbahaya
Hidup susah kat INDON bro...
HapusItu yang mereka defensive sgt akhir-akhir ni.
Pekerjaan tiada, ekonomi anjlok, Rupiah anjlok, FDI tiada.
Kita pulak dok tambah kapal kasi susah depa masuk cari makan kat Malaysia.
Masak le ekonomi depa.
🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣
RINGIT TIDAK LAKU
HapusHTTPS://WWW.YOUTUBE.COM/WATCH?V=RZD9_NKQIWQ
==========
MELARAT LON...
BAYAR RM 81,998!!!....
FEDERAL GOVERNMENT DEBT = PER PEOPLE : RM 36,139
HOUSEHOLD DEBT = PER PEOPLE : RM 45,859.
GOV + HOUSEHOLD = PER PEOPLE : RM 81,998
==========
1️⃣ DATA YANG DIGUNAKAN
• Utang akhir 2024: RM 1.25 triliun
• Utang akhir Juni 2025: RM 1.30 triliun
• Jumlah penduduk Malondesh 2025 (perkiraan pertengahan tahun): 35,977,838 jiwa
2️⃣ Perhitungan utang per penduduk
1.30 triliun = 1,300,000,000,000
Per Orang = 1,300,000,000,000/35,977,838 : RM 36,139 per orang
--------------------
1️⃣ DATA YANG DIGUNAKAN
• Utang rumah tangga (akhir Maret 2025): RM 1.65 triliun
• Persentase terhadap PDB: 84.3%
• Jumlah penduduk Malondesh pertengahan 2025: 35,977,838 jiwa
2️⃣ Perhitungan utang per penduduk
Utang per orang =1,650,000,000,000/35,977,838 : RM 45,859 per orang
------------------
DATA STATISTA 2029-2020 : INCREASE DEBT
DATA STATISTA 2029-2020 : INCREASE DEBT
2029 = 438,09 BILLION USD
2028 = 412,2 BILLION USD
2027 = 386,51 BILLION USD
2026 = 362,19 BILLION USD
2025 = 338,75 BILLION USD
2024 = 316,15 BILLION USD
2023 = 293,83 BILLION USD
2022 = 271,49 BILLION USD
2021 = 247,49 BILLION USD
2020 = 221,49 BILLION USD
==========
DATA STATISTA 2029-2020 : DEBT PAY DEBT
DATA STATISTA 2029-2020 : OVERLIMIT DEBT
2029 = 69,54% DEBT RATIO TO GDP
2028 = 69,34% DEBT RATIO TO GDP
2027 = 68,8% DEBT RATIO TO GDP
2026 = 68,17% DEBT RATIO TO GDP
2025 = 68,07% DEBT RATIO TO GDP
2024 = 68,38% DEBT RATIO TO GDP
2023 = 69,76% DEBT RATIO TO GDP
2022 = 65,5% DEBT RATIO TO GDP
2021 = 69,16% DEBT RATIO TO GDP
2020 = 67,69% DEBT RATIO TO GDP
==========
DEBT 2025 = RM 1,73 TRILLION
DEBT 2024 = RM 1.63 TRILLION
DEBT 2023 = RM 1,53 TRILLION
DEBT 2022 = RM 1,45 TRILLION
DEBT 2021 = RM 1,38 TRILLION
DEBT 2020 = RM 1,32 TRILLION
DEBT 2019 = RM 1,25 TRILLION
DEBT 2018 = RM 1,19 TRILLION
The Finance Ministry stated that the aggregate national household DEBT stood at RM1.53 trillion between 2018 and 2023. In aggregate, it said the household DEBT for 2022 was RM1.45 trillion, followed by RM1.38 trillion (2021,) RM1.32 trillion (2020), RM1.25 trillion (2019) and RM1.19 trillion (2018). “The ratio of household DEBT to gross domestic product (GDP) at the end of 2023 also slightly increased to 84.3% compared with 82% in 2018,” it said.
==========
BNM = HOUSEHOLD DEBT IS ONE OF THE HIGHEST IN THE ASEAN ......
MAID OF LONDON (MALON) household DEBT is one of the highest in the ASEAN region. Against this backdrop, Bank Negara MAID OF LONDON (MALON) (BNM) safeguards financial stability by monitoring and regulating the lending activity of all financial institutions in MAID OF LONDON (MALON) , among other things. Using aggregated data from BNM's Central Credit Reference Information System (CCRIS), this dashboard gives you insight into key trends on household DEBT. For now, it displays data on the flow of borrowing activity on a monthly basis, broken down by purpose. In due time, it will be deepened with granular data showing the state of inDEBTedness of MAID OF LONDON (MALON)
===========
17 KREDITUR LCS = Besides MTU Services, others include Contraves Sdn Bhd, Axima Concept SA, Contraves Advanced Devices Sdn Bhd, Contraves Electrodynamics Sdn Bhd and Tyco Fire, Security & Services MAID OF LONDON (MALON) Sdn Bhd, as well as iXblue SAS, iXblue Sdn Bhd and Protank Mission Systems Sdn Bhd. Also included are Bank Pembangunan MAID OF LONDON (MALON) Bhd, AmBank Islamic Bhd, AmBank (M) Bhd, MTU Services, Affin Hwang Investment Bank Bhd, Bank Muamalat MAID OF LONDON (MALON) Bhd, Affin Bank Bhd, Bank Kerjasama Rakyat MAID OF LONDON (MALON) Bhd, Malayan Banking Bhd (Maybank) and KUWAIT FINANCE HOUSE (MAID OF LONDON (MALON) ) BHD.
===========
😝5x M 6x MOD 6x MOF = ZONK PAYAH😝
LON... BAYAR RM 81,998 = BUAL JEEEE
Hapus2025 =
DEFICIT RM 92.8 BILLION
DEFICIT RM 92.8 BILLION
DEFICIT RM 92.8 BILLION
Bank Negara Negeri Kasino just borrowed another RM 5.0 billion to bring the budget deficit up to RM 92.8 billion. The prime/finance minister Anwar Ibrahim stated the budget deficit would be RM 79.9 billion when he brought down the budget 2025 in October last year in the Dewan Rakyat.
=============
GOVERNMENT DEBT : 69% of GDP
HOUSEHOLD DEBT : 84.3% of GDP
Federal Government Debt
• End of 2024: RM 1.25 trillion
• End of June 2025: RM 1.3 trillion
• Projected Debt-to-GDP: 69% by the end of 2025
Household Debt
• 2025 : RM1.73 trillion, or 85.8% of GDP GDP
=============
1. DEBT 84.3% DARI GDP
2. DEBT NEGARA RM 1.63 TRLLIUN
3. DEBT 1MDB RM 18.2 BILLION
4. TUNGGAKAN SEWA SABAH USD 15 BILLION
5. DEBT KERAJAAN PERSEKUTUAN 60.4%
6. SEWA SIMULATOR MKM
7. PESAWAT MIG GROUNDED
8. SEWA MOTOR POLIS
9. PESAWAT MB339CM GROUNDED
10. NURI GROUNDED SEWA BLACKHAWK
11. FIVE PROCUREMENT CANCELLED
12. 48 PESAWAT SKYHAWK HILANG
13. MESIN JET 2 BUAH HILANG
14. NO MARINIR NO AMPHIBIOUS NAVAL PLATFORM
15. NO LST
16. NO LPD – NGEMIS LPD USA
17. NO TANKER
18. NO KCR
19. MONUMEN MIG29M UNTUK JIMAT KOS
20. NO SPH
21. SUBMARINE DEFACT MEMBUNUH WANITA HAMIL
22. NO HELLFIRE
23. NO MPA ATR72 DELAYED
24. NO HIDRO-OSEANOGRAFI SEWA KAPAL HIDRO
25. NO HELI HEAVY ATTACK NGEMIS AH1Z
26. NO M3 AMPHIBIUS RIG
27. LCS MANGKRAK KARATAN
28. OPV MANGKRAK
29. TANK MOGOK STOP SPARE PARTS
30. CN 235 MSA VERSI MSI USA
31. SEWA MOTOR MILITARY POLICE
32. RADAR GIFTED PAID USA
33. 84% NO SAVING EVERY MONTH
34. SEWA VVSHORAD
35. SEWA TRUK 3 TON
36. 4X4 SEWA 6X6 CANCELLED
37. C130H DIGANTI 2045
38. TEMBAK GRANAT BOM PASUKAN SEMDIRI
39. NO DRONE UCAV – ANKA ISR OMPONG
40. SEWA BLACKHAWK SEWA AW159
41. NO TRACKED SPH
42. SEWA SIMULATOR HELI
43. SPH CANCELLED
44. SCORPION V150 CONDOR SIMBAS RETIRED
45. NO PESAWAT COIN
46. PILATUS MK II KARATAN
47. PENCEROBOHAN 43X BTA 316 HARI
48. SEWA AW139 SEWA COLIBRI
49. MRSS LMS B2 UAV ANKA HELI MENUNGGU 2026-2030
50. OPV DIBAYAR 3 JADI 1 SEWA BOAT
51. LYNX GROUNDED
52. MRCA CANCELLED SEWA PESAWAT ITTC
53. MICA CANCELLED NSM CANCELLED
54. NO LRAD NO MRAD JUST VSHORAD
55. PRANK UN PRANK TURKEY PRANK PERANCIS PRANK SLOVAKIA
56. 4X NGEMIS F18 KUWAIT
57. MENUNGGU 2050 KAPAL SELAM
58. NO TANK AMPHIBI AV8 MOGOK BERASAP
59. 84% NO SAVING EVERY MONTH
60. OVER LIMIT DEBT 65,6% (LIMIT DEBT 65%)
=============
SEWA = HUTANG 84.3% DARI GDP = NO SHOPPING
1. SEWA 28 HELI
2. SEWA L39 ITCC
3. SEWA EC120B
4. SEWA FLIGHT SIMULATION TRAINING DEVICE (FSTD)
5. SEWA 1 UNIT SISTEM SIMULATOR EC120B
6. SEWA HOVERCRAFT
7. SEWA AW139
8. SEWA FAST INTERCEPTOR BOAT (FIB)
9. SEWA UTILITY BOAT
10. SEWA RIGID HULL FENDER BOAT (RHFB)
11. SEWA ROVER FIBER GLASS (ROVER)
12. SEWA MV AISHAH AIM 4
13. SEWA BMW R1250RT
14. SEWA 4X4 VECHICLE
15. SEWA VSHORAD
16. SEWA TRUCK
17. SEWA HONDA CIVIC
18. SEWA PATROL BOATS
19. SEWA OUTBOARD MOTORS
20. SEWA TRAILERS
21. SEWA SUPERBIKES
22. SEWA SIMULATOR MKM
23. SEWA 12 AW149 TUDM
24. SEWA 4 AW139 TUDM
25. SEWA 5 EC120B TUDM
26. SEWA 2 AW159 TLDM
27. SEWA 4 UH-60A TDM
28. SEWA 12 AW149 TDM
29. SEWA 4 AW139 BOMBA
30. SEWA 2 AW159 MMEA
31. SEWA 7 BELL429 POLIS
32. SEWA MOTOR POLIS
NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
HapusNO. 3 ASIA RATIO DEBT TO GDP = MELARAT
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
---------------
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
---------------
DATA STATISTA 2029-2020 : DEBT PAY DEBT
DATA STATISTA 2029-2020 : OVERLIMIT DEBT
2029 = 69,54% DEBT RATIO TO GDP
2028 = 69,34% DEBT RATIO TO GDP
2027 = 68,8% DEBT RATIO TO GDP
2026 = 68,17% DEBT RATIO TO GDP
2025 = 68,07% DEBT RATIO TO GDP
2024 = 68,38% DEBT RATIO TO GDP
2023 = 69,76% DEBT RATIO TO GDP
2022 = 65,5% DEBT RATIO TO GDP
2021 = 69,16% DEBT RATIO TO GDP
2020 = 67,69% DEBT RATIO TO GDP
==========
DEBT 2024 = RM 1.63 TRILLION
DEBT 2023 = RM 1,53 TRILLION
DEBT 2022 = RM 1,45 TRILLION
DEBT 2021 = RM 1,38 TRILLION
DEBT 2020 = RM 1,32 TRILLION
DEBT 2019 = RM 1,25 TRILLION
DEBT 2018 = RM 1,19 TRILLION
The Finance Ministry stated that the aggregate national household DEBT stood at RM1.53 trillion between 2018 and 2023. In aggregate, it said the household DEBT for 2022 was RM1.45 trillion, followed by RM1.38 trillion (2021,) RM1.32 trillion (2020), RM1.25 trillion (2019) and RM1.19 trillion (2018). “The ratio of household DEBT to gross domestic product (GDP) at the end of 2023 also slightly increased to 84.3% compared with 82% in 2018,” it said.
==========
BNM = HOUSEHOLD DEBT IS ONE OF THE HIGHEST IN THE ASEAN ......
MAID OF LONDON (MALON) household DEBT is one of the highest in the ASEAN region. Against this backdrop, Bank Negara MAID OF LONDON (MALON) (BNM) safeguards financial stability by monitoring and regulating the lending activity of all financial institutions in MAID OF LONDON (MALON) , among other things. Using aggregated data from BNM's Central Credit Reference Information System (CCRIS), this dashboard gives you insight into key trends on household DEBT. For now, it displays data on the flow of borrowing activity on a monthly basis, broken down by purpose. In due time, it will be deepened with granular data showing the state of inDEBTedness of MAID OF LONDON (MALON)
===========
17 KREDITUR = Besides MTU Services, others include Contraves Sdn Bhd, Axima Concept SA, Contraves Advanced Devices Sdn Bhd, Contraves Electrodynamics Sdn Bhd and Tyco Fire, Security & Services MAID OF LONDON (MALON) Sdn Bhd, as well as iXblue SAS, iXblue Sdn Bhd and Protank Mission Systems Sdn Bhd. Also included are Bank Pembangunan MAID OF LONDON (MALON) Bhd, AmBank Islamic Bhd, AmBank (M) Bhd, MTU Services, Affin Hwang Investment Bank Bhd, Bank Muamalat MAID OF LONDON (MALON) Bhd, Affin Bank Bhd, Bank Kerjasama Rakyat MAID OF LONDON (MALON) Bhd, Malayan Banking Bhd (Maybank) and KUWAIT FINANCE HOUSE (MAID OF LONDON (MALON) ) BHD.
NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
HapusNO. 3 ASIA RATIO DEBT TO GDP = MELARAT
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
1. Budget Constraints
• Limited Defense Spending: Maid of london (MALON) maintains a relatively modest defense budget compared to regional powers like Singapore, Indonesia, or Thailand.
• Delayed Procurement: Budget limitations often delay the acquisition of new platforms, weapons systems, and modernization efforts.
• Maintenance Issues: Older equipment may not be properly maintained due to funding gaps.
------------
2. Aging and Outdated Equipment
• Obsolete Platforms: Much of the Maid of london (MALON) n Army, Navy (RMN), and Air Force (RMAF) still use aging equipment, such as old tanks, fighter jets (e.g., MiG-29s, which have been retired), and naval vessels.
• Logistical Support: Difficulties in securing parts and support for legacy systems affect readiness and operational capabilities.
------------
3. Capability Gaps
• Air Power Deficiencies: Limited numbers of combat aircraft, AWACS (Airborne Warning and Control System), and aerial refueling capabilities hamper the RMAF’s operational reach.
• Naval Shortcomings: The RMN faces challenges in maritime domain awareness and anti-submarine warfare, crucial in the South China Sea context.
• Cyber and EW (Electronic Warfare): Maid of london (MALON) is still developing capabilities in cyber defense and electronic warfare compared to more advanced militaries.
------------
4. Interoperability and Joint Operations
• Lack of Integration: While efforts are underway to improve jointness among the Army, Navy, and Air Force, coordination and interoperability remain inconsistent.
• Command Structure: Differences in doctrine and training among services sometimes hinder joint operational effectiveness.
------------
5. Human Resource Challenges
• Recruitment and Retention: Difficulty in attracting high-quality recruits and retaining skilled personnel due to better civilian career opportunities.
• Training Limitations: Budget restrictions can limit training frequency, scope, and international exercises.
------------
6. Procurement and Corruption Concerns
• Lack of Transparency: Past procurement deals have faced allegations of mismanagement or corruption, such as the Scorpène submarine scandal.
• Inefficiency: Poor planning or inconsistent defense procurement policies sometimes result in incompatible or unnecessary systems.
NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
HapusNO. 3 ASIA RATIO DEBT TO GDP = MELARAT
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
MAID OF LONDON (MALON) has faced several crises, including political, financial, and economic crises:
• Political crisis
From 2020–2022, MAID OF LONDON (MALON) experienced a political crisis that led to the resignation of two Prime Ministers and the collapse of two coalition governments. The crisis was caused by political infighting, party switching, and the refusal of Prime Minister Mahathir Mohamad to transition power to Anwar Ibrahim. The crisis ended in 2022 with a snap general election and the formation of a coalition government.
• Financial crisis
MAID OF LONDON (MALON) experienced a financial crisis when the country's economic fundamentals appeared strong, but the crisis came suddenly. The government's initial response was to increase interest rates and tighten fiscal policy, but this was not enough to correct the external imbalances.
• Economic crisis
MAID OF LONDON (MALON) 's economy has faced challenges due to weak global demand and a dependence on exports. In 2020, MAID OF LONDON (MALON) 's economy shrank by the most since the Asian crisis. In 2023, weak global demand for electronics and a decline in energy prices weighed on the economy.
• Household DEBT crisis
As of the end of 2023, MAID OF LONDON (MALON) 's household DEBT-to-GDP ratio was 84.3%, with household DEBT reaching RM1.53 trillion
MAID OF LONDON (MALON) has faced several rice crises in the past, including in 1973–1975, the 1980s, 1997–1998, 2008, and 2023. These crises are often caused by price hikes, which are driven by supply and demand, as well as market player behavior
Sangka negara je masuk PENGOTOR... ternyata BBM nya juga TERKOTOR... 🤣🤣🤣
BalasHapus🇲🇾 LATAR BELAKANG POLITIK DAN EKONOMI Malondesh (2018–2025)
Hapus• 5 kali pergantian Perdana Menteri (PM) sejak 2018:
o Tun Dr. Mahathir Mohamad (2018–2020)
o Tan Sri Muhyiddin Yassin (2020–2021)
o Datuk Seri Ismail Sabri Yaakob (2021–2022)
o Datuk Seri Anwar Ibrahim (2022–sekarang)
o (Beberapa sumber menyebutkan transisi internal atau acting PM dalam periode krisis politik)
• 6 kali pergantian Menteri Kewangan (MoF) dalam periode yang sama, termasuk:
o Lim Guan Eng, Tengku Zafrul, dan Anwar Ibrahim sendiri (merangkap PM dan MoF)
----------------
📉 Dampak terhadap Hutang Tertunggak dan Fiskal Negara
• Hutang tertunggak tidak dibayar sepenuhnya karena:
o Ketidakstabilan politik menyebabkan kurangnya kesinambungan kebijakan fiskal.
o Pemerintah baru cenderung fokus pada agenda populis atau pemulihan jangka pendek, bukan penyelesaian hutang lama.
o Beban bunga hutang lama terus meningkat, meskipun hutang baru berhasil dikurangkan.
• Pernyataan PM Anwar Ibrahim (2025):
o Hutang baru tahunan turun dari RM99 bilion (2022) ke RM77 bilion (2024).
o Namun, faedah hutang lama tetap membebani anggaran dan tidak dapat dikurangkan secara signifikan.
----------------
💸 Kekangan Kewangan akibat Pergantian Menteri Kewangan
• Efek dari 6 kali pergantian MoF:
o Kebijakan fiskal tidak konsisten, terutama dalam pengurusan subsidi, cukai, dan pinjaman luar negeri.
o Proyek pembangunan dan belanja sosial sering direvisi atau ditunda.
o Kepercayaan investor dan lembaga pemeringkat terganggu, mempengaruhi biaya pinjaman dan aliran modal.
• Kekangan kewangan juga diperburuk oleh:
o Ketergantungan pada hasil minyak dan gas.
o Ketidakpastian global (COVID-19, konflik geopolitik).
o Kebutuhan mendesak untuk reformasi subsidi dan perluasan basis cukai.
----------------
📊 Implikasi Jangka Panjang
• Risiko fiskal: Malondesh menghadapi tantangan untuk menyeimbangkan antara pertumbuhan ekonomi dan pengurangan beban hutang.
• Kebutuhan reformasi institusional: Stabilitas politik dan profesionalisasi pengurusan fiskal sangat penting untuk menghindari siklus hutang yang berulang.
• Transparansi dan akuntabilitas: Publik menuntut penjelasan lebih jelas tentang penggunaan dana dan strategi pelunasan hutang.
----------------
5x PM BUAL MRCA LCS SPH MRSS = 2025 ZONK
6x MOD BUAL MRCA LCS SPH MRSS = 2025 ZONK
6x MOF BUAL MRCA LCS SPH MRSS = 2025 ZONK
SERIUS!!! BADUT BERUK = MEMBUAL SHOPPING
-
5x GANTI PM = 84,3% TO GDP
5x GANTI MOF = KLAIM LUNAS 2053 = GAGAL (NAMBAH DEBT)
SERIUS!!! BADUT BERUK = MEMBUAL KLAIM KAYA
-
5x GANTI PM = TIDAK BAYAR HUTANG TERTUNGGAK
6x GANTI MOD = KEKANGAN KEWANGAN
SERIUS!!! BADUT BERUK = MEMBUAL KLAIM KAYA
----------------
MRCA 2025-2017= ZONK = NO PROCUREMENT
5x GANTI PM
5x GANTI MOD
6x GANTI MOF
-
LCS 2025-2011 = ZONK = MANGKRAK
5x GANTI PM
6x GANTI MOD
6x GANTI MOF
-
SPH 2025-2016 = ZONK = NO PROCUREMENT
5x GANTI PM
5x GANTI MOD
6x GANTI MOF
-
MRSS/LPD 2025-2016 = ZONK = NO PROCUREMENT
5x GANTI PM
5x GANTI MOD
6x GANTI MOF
NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
HapusNO. 3 ASIA RATIO DEBT TO GDP = MELARAT
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
WEAKNESSES OF THE FA-50 LIGHT COMBAT AIRCRAFT
________________________________________
1. Limited Radar and Sensor Capabilities
• Older variants of the FA-50 lack an Active Electronically Scanned Array (AESA) radar, which is standard in most modern fighters.
• Earlier models use mechanically scanned radars (like EL/M-2032), which are less capable in tracking multiple targets and operating in electronic warfare environments.
Note: Newer versions (e.g., FA-50 Block 20 or Golden Eagle variants) are being upgraded with AESA radar, but these are still being rolled out.
________________________________________
2. No Internal Gun on Some Versions
• Some configurations of the FA-50 (particularly early export models) lack an internal 20mm cannon, reducing close-in combat and strafing capabilities.
________________________________________
3. Limited Weapon Payload
• Payload capacity is about 4,500 kg, significantly less than fighters like the F-16 (which carries around 7,700+ kg).
• This limits the number and types of weapons it can carry, especially for extended strike missions.
________________________________________
4. No Afterburning Supercruise
• The FA-50 uses the F404-GE-102 engine, which is powerful but doesn't allow for supercruise (sustained supersonic flight without afterburners).
• Top speed is around Mach 1.5, which is sufficient for its class but not competitive with high-end fighters like the Rafale or F-35.
________________________________________
5. No Stealth Features
• Unlike 5th-generation aircraft (e.g., F-35 or J-20), the FA-50 has no stealth shaping or radar-absorbing materials.
• This makes it vulnerable to modern air defense systems and radar-guided threats.
________________________________________
6. Basic Electronic Warfare (EW) Suite
• Its EW suite is relatively basic, especially in earlier versions.
• Lacks advanced self-protection jammers or towed decoys, making it less survivable in contested airspace.
________________________________________
7. Shorter Range and Endurance
• Has a combat radius of ~1,800 km with external fuel, but this is still limited compared to full-sized multirole fighters.
• This constrains its operational use without aerial refueling (which is not standard on all FA-50s).
NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
HapusNO. 3 ASIA RATIO DEBT TO GDP = MELARAT
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
The Royal MAID OF LONDON (MALON) Navy (RMN) faces a number of challenges, including a fleet that is aging, delays in acquiring new ships, and corruption.
Aging fleet
• Half of the RMN's fleet of 49 ships are past their serviceable lifespan.
• The fleet is largely past its prime, making it difficult to monitor the country's extensive maritime domain.
Delays in acquiring new ships
• The RMN has experienced delays in acquiring new ships, which has contributed to the use of ships that are beyond their useful life.
• The RMN has canceled plans to add new batches of Lekiu frigates.
Corruption
• Some of the RMN's modernization efforts have been linked to corruption.
• The Public Accounts Committee (PAC) found that BNS subsidiaries did not use all of the government's payments for the RM9 billion warship procurement.
Other challenges
• Maritime boundary disputes with other countries, including China, Indonesia, and the Philippines
• Sea robbery, smuggling, and illegal sand mining
• Maritime piracy, which can also be used by terrorists to raise funds
China's assertiveness in the South China Sea
.
NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
HapusNO. 3 ASIA RATIO DEBT TO GDP = MELARAT
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
MAID OF LONDON (MALON) 's armed forces have been underfunded for some time, due to a lack of political will to increase defense spending. This has limited the country's ability to modernize and respond to threats.
Causes of underfunding
• Government spending
MAID OF LONDON (MALON) governments have been reluctant to cut spending in other areas to fund defense
• Size of armed forces
Governments have been unwilling to reduce the size of the armed forces by cutting manpower and equipment
• Corruption
Corruption risks remain significant in MAID OF LONDON (MALON) 's defense governance architecture
Effects of underfunding
• Limited procurement: The navy and air force have struggled to procure new assets to modernize
• Outdated equipment: The MAF has outdated logistics equipment
• Limited ability to respond to threats: The MAF has been unable to improve its fighting capacity to deal with external threats
Hidup susah kat INDON bro...
BalasHapusItu yang mereka defensive sgt akhir-akhir ni.
Pekerjaan tiada, ekonomi anjlok, Rupiah anjlok, FDI tiada.
Kita pulak dok tambah kapal kasi susah depa masuk cari makan kat Malaysia.
Masak le ekonomi depa.
🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣
KONTRAS KLAIM KUAT = MEANWHILE MELARAT
Hapus-----
Kontras antara narasi resmi dan realitas fiskal Malondesh menciptakan ketegangan struktural yang berisiko menekan stabilitas jangka menengah. Berikut penjelasan implikasinya secara terstruktur:
⚖️ Ketegangan Antara Pertumbuhan dan Keseimbangan Fiskal
🟢 Narasi Resmi: Optimisme Makroekonomi
• Pertumbuhan PDB 4–5%: Menunjukkan ekspansi ekonomi yang sehat.
• Ekspor dan FDI stabil: Menandakan daya saing dan kepercayaan investor.
• Inflasi terkendali, pengangguran menurun: Cerminan stabilitas harga dan pasar tenaga kerja.
Namun, indikator-indikator ini bersifat flow-based dan tidak serta-merta mencerminkan stock-based vulnerabilities seperti utang dan defisit.
🔴 Realitas Fiskal: Risiko Struktural yang Terakumulasi
Komponen Penjelasan Implikasi
Defisit fiskal struktural Defisit tahunan ~5% PDB sejak 1998 Menurunkan ruang fiskal, meningkatkan kebutuhan pembiayaan
Utang federal > RM1.2 triliun >60% PDB, belum termasuk liabilitas tersembunyi Risiko rollover, tekanan rating kredit, dan ketergantungan pada pasar obligasi
Beban bunga > RM40 miliar/tahun >15% dari pendapatan pemerintah Mengurangi alokasi untuk belanja produktif, memperkuat siklus utang
Belanja rigid >50% APBN Gaji, subsidi, emolumen Menyisakan ruang sempit untuk pembangunan dan reformasi struktural
📉 Implikasi Jangka Menengah
1. Ruang Fiskal Terbatas
• Pemerintah kesulitan meningkatkan belanja modal tanpa menaikkan utang atau pajak.
• Reformasi subsidi dan belanja pegawai menjadi politis dan kompleks.
2. Risiko Keberlanjutan Utang
• Jika pertumbuhan melambat atau suku bunga global naik, beban bunga bisa melonjak.
• Liabilitas luar neraca (e.g. jaminan BUMN, PPP) berpotensi menjadi utang eksplisit saat krisis.
3. Ketergantungan pada Narasi Pertumbuhan
• Pemerintah cenderung menekankan PDB dan FDI untuk menjaga persepsi positif, meski fondasi fiskal rapuh.
• Ini bisa menunda reformasi struktural yang diperlukan.
4. Kredibilitas Kebijakan Terancam
• Ketidaksesuaian antara narasi dan realitas dapat menurunkan kepercayaan investor dan lembaga pemeringkat.
• Transparansi fiskal dan manajemen risiko menjadi kunci untuk menjaga kredibilitas.
PARAH MELARAT.
HapusMalondesh mengalami lonjakan rasio utang terhadap PDB hingga 84,3% akibat ketidakstabilan politik dan fiskal antara 2018–2025, termasuk 5 kali pergantian Perdana Menteri dan Menteri Keuangan. Klaim pelunasan utang pada 2053 gagal tercapai, justru menambah beban utang baru.
Berikut penjelasan rinci berdasarkan data dan konteks fiskal Malondesh:
-
🔄 5 Kali Ganti Perdana Menteri & Menteri Keuangan (2018–2025)
Frekuensi pergantian kepemimpinan nasional sangat tinggi:
Tahun Perdana Menteri Menteri Keuangan
2018 Mahathir Mohamad Lim Guan Eng
2020 Muhyiddin Yassin Tengku Zafrul Aziz
2021 Ismail Sabri Yaakob Tengku Zafrul Aziz
2022 Anwar Ibrahim Ahmad Maslan (sementara)
2023 Anwar Ibrahim Rafizi Ramli
2025 Anwar Ibrahim Rafizi Ramli
Efeknya: setiap pergantian membawa perubahan arah kebijakan fiskal, prioritas belanja, dan pendekatan terhadap utang nasional.
-
📉 Rasio Utang terhadap PDB: 84,3%
• Puncak historis: Malondesh pernah mencapai rasio utang 103,4% pada 1986.
• 2024: Rasio utang berada di sekitar 70,4%.
• Klaim 84,3%: Kemungkinan mencerminkan total kewajiban fiskal termasuk jaminan luar neraca, bukan hanya utang resmi.
• Faktor penyebab:
o Belanja stimulus selama pandemi COVID-19.
o Proyek infrastruktur besar (ECRL, LRT3, Pan Borneo).
o Kegagalan konsolidasi fiskal akibat pergantian MOF.
-
💸 Klaim “Lunas 2053” Gagal
• Pemerintah sebelumnya menyatakan bahwa utang akan dilunasi sepenuhnya pada 2053 melalui strategi jangka panjang.
• Namun, laporan fiskal 2025 menunjukkan:
o Defisit fiskal masih RM21,9 miliar pada Q1 2025.
o Kebutuhan pembiayaan baru tetap tinggi, menambah utang baru.
o Konsolidasi fiskal berjalan lambat, meski ada pengurangan defisit.
Artinya: janji pelunasan utang pada 2053 tidak realistis jika tren fiskal saat ini berlanjut.
-
📌 Kesimpulan
Malondesh menghadapi tantangan fiskal serius akibat:
• Ketidakstabilan politik (5x ganti PM dan MOF).
• Kegagalan konsistensi kebijakan utang.
• Beban utang yang terus meningkat, mengancam janji pelunasan jangka panjang.
• ----------------
🔍 DETAIL PROYEK
• MRCA (2017–2025):
o 2017: Inisiasi penggantian MiG-29.
o 2023: FA-50 diumumkan sebagai interim.
o 2025: Status ZONK (tidak ada MRCA baru).
-
• LCS (2011–2025):
o 2011: Kontrak LCS ditandatangani.
o 2022: Skandal audit terungkap.
o 2025: Status ZONK (belum ada kapal operasional).
-
• SPH (2016–2025):
o 2016: Proposal SPH diajukan.
o 2025: Status ZONK (tidak ada akuisisi).
-
• MRSS (2016–2025):
o 2016: Masuk rencana TLDM 15-to-5.
o 2025: Status ZONK (belum dibangun).
NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
HapusNO. 3 ASIA RATIO DEBT TO GDP = MELARAT
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________WEAK
WEAK
WEAK
Here are some possible reasons behind the perception of MAF being weaker compared to others:
________________________________________
1. Limited Defense Budget
• Maid of london (MALON) ’s defense spending is modest compared to regional players.
• Budget constraints limit acquisition of modern hardware, long-range capabilities, and extensive R&D.
2. Aging Equipment
• Some branches (like the Royal Maid of london (MALON) n Air Force and Navy) still rely on older platforms like MiG-29s (retired) or Lekiu-class frigates.
• Modernization programs (e.g., LCS ships, MRCA jets) have faced delays or cancellations.
3. Small Force Size
• Manpower and hardware numbers are significantly smaller than countries like Indonesia or Vietnam.
• The country maintains a modest-sized professional military rather than a large conscripted one.
4. Strategic Doctrine
• Maid of london (MALON) follows a non-aggressive, defensive doctrine, focused on sovereignty, peacekeeping, and regional cooperation.
• The country emphasizes diplomacy and ASEAN frameworks over military projection.
5. Procurement & Project Delays
• High-profile projects like the Littoral Combat Ship (LCS) program have suffered from delays and mismanagement, hurting public confidence in the military.
6. Limited Combat Experience
• The MAF has not been involved in major wars since the communist insurgency and the Confrontation with Indonesia.
• This is a good thing for national peace, but it may affect perceptions of readiness.
NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
HapusNO. 3 ASIA RATIO DEBT TO GDP = MELARAT
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________MAID OF LONDON (MALON) 's armed forces have been underfunded for years due to fiscal constraints and a lack of political will to invest in defense. This has limited the country's ability to modernize its military and respond to threats.
Factors contributing to underfunding
• Budget allocations: The defense budget has remained stagnant over the past five years.
• Government priorities: The government has focused on stabilizing the economy and political climate instead of defense.
• Corruption: Corruption risks are high in the defense governance architecture, including procurement and personnel ethics.
Impacts of underfunding
• Limited procurement: The navy and air force have struggled to purchase new assets.
• Aging fleet: The navy has an aging fleet of ships that need to be replaced.
• Limited ability to respond to threats: The armed forces are unable to fully respond to threats such as those from extremist and separatist groups in the region.
NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
HapusNO. 3 ASIA RATIO DEBT TO GDP = MELARAT
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
The MAID OF LONDON (MALON) Armed Forces (MAF) has faced issues with spare parts for its assets, including a lack of budget, underperforming contractors, and outdated pricing.
Budget
• The MAF has faced budget constraints that affect the serviceability of its assets.
• The government's revenue has been affected by reduced commodity prices, which has reduced the funds available for defense procurement.
Outsourcing
• The MAF has outsourced the supply of spare parts and maintenance of its assets, but this has led to issues.
• Underperforming contractors and a lack of enforcement of contract terms have impacted the effectiveness of outsourcing.
• The process of awarding contracts can be lengthy, which can lead to outdated pricing.
Spare parts for specific assets
• The MAF's PT-91M tanks have faced issues with spare parts, as the supplier of some components is no longer in production.
• The MAF has also faced issues with Russian-produced fighter aircraft, including problems with the supply of spare parts.
Other issues
• The MAF has also faced issues with undertraining of staff, and the lack of clear guidance for the future strategic direction of the defense industry
NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
HapusNO. 3 ASIA RATIO DEBT TO GDP = MELARAT
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________The Royal MAID OF LONDON (MALON) Air Force (RMAF) faces a number of issues with its aircraft, including fleet maintenance, the age of its aircraft, and the need for a multi-role combat aircraft.
Fleet maintenance
The RMAF has fleet sustainment problems due to its aging aircraft fleet.
The RMAF's logistics equipment quality has been criticized.
The RMAF has had issues with the reliability of its fleet, which has forced it to cut schedules.
Age of aircraft
The RMAF's main fighter fleet includes the Su-30MKMs and Boeing F/A-18 Hornets.
The RMAF's aircraft are aging, which can make them more difficult and expensive to maintain.
Need for a multi-role combat aircraft
The RMAF has stated that it needs a multi-role combat aircraft, but the government's defense budget is limited.
The RMAF has been discussing acquiring second-hand Kuwaiti F/A-18s, but no formal negotiations have taken place.
Other issues
The RMAF has faced issues with the quality of its logistics equipment.
The RMAF has been wary of Russian-made weapons due to sanctions imposed on Russia after its invasion of Ukraine.
BERUK TOLOL MISKIN membual banyak pun tiada guna nya.... FAKTA DIDEPAN MATA... 🔥🔥🤣🤣🤣
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Sewaaaaa
BalasHapusApakah Takrifan 40% Hasil Kepada Negeri Sabah? PMX PENIPU!!!!!
BalasHapushttps://youtu.be/89g4r_195yk
"Baik tak payah kalut nak jadi PM. Buat tambah semak je" 🤣🤣🤣🤣🤣🤣
HIDUNG TA MANCUNG, PIPI TERSORONG SORONG 🤣🤣🤣
Nassuruddin: 'Tok lebai tak gila kuasa, cuma kita nak rampas kuasa daripada orang gila'
BalasHapushttps://youtu.be/QA0F5e4scNw
PMX HOMO GILA LAGI 🤣🤣🤣🤣🤣🤣
NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
BalasHapusNO. 3 ASIA RATIO DEBT TO GDP = MELARAT
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
---------------
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
---------------
DATA STATISTA 2029-2020 : DEBT PAY DEBT
DATA STATISTA 2029-2020 : OVERLIMIT DEBT
2029 = 69,54% DEBT RATIO TO GDP
2028 = 69,34% DEBT RATIO TO GDP
2027 = 68,8% DEBT RATIO TO GDP
2026 = 68,17% DEBT RATIO TO GDP
2025 = 68,07% DEBT RATIO TO GDP
2024 = 68,38% DEBT RATIO TO GDP
2023 = 69,76% DEBT RATIO TO GDP
2022 = 65,5% DEBT RATIO TO GDP
2021 = 69,16% DEBT RATIO TO GDP
2020 = 67,69% DEBT RATIO TO GDP
==========
DEBT 2024 = RM 1.63 TRILLION
DEBT 2023 = RM 1,53 TRILLION
DEBT 2022 = RM 1,45 TRILLION
DEBT 2021 = RM 1,38 TRILLION
DEBT 2020 = RM 1,32 TRILLION
DEBT 2019 = RM 1,25 TRILLION
DEBT 2018 = RM 1,19 TRILLION
The Finance Ministry stated that the aggregate national household DEBT stood at RM1.53 trillion between 2018 and 2023. In aggregate, it said the household DEBT for 2022 was RM1.45 trillion, followed by RM1.38 trillion (2021,) RM1.32 trillion (2020), RM1.25 trillion (2019) and RM1.19 trillion (2018). “The ratio of household DEBT to gross domestic product (GDP) at the end of 2023 also slightly increased to 84.3% compared with 82% in 2018,” it said.
==========
BNM = HOUSEHOLD DEBT IS ONE OF THE HIGHEST IN THE ASEAN ......
MAID OF LONDON (MALON) household DEBT is one of the highest in the ASEAN region. Against this backdrop, Bank Negara MAID OF LONDON (MALON) (BNM) safeguards financial stability by monitoring and regulating the lending activity of all financial institutions in MAID OF LONDON (MALON) , among other things. Using aggregated data from BNM's Central Credit Reference Information System (CCRIS), this dashboard gives you insight into key trends on household DEBT. For now, it displays data on the flow of borrowing activity on a monthly basis, broken down by purpose. In due time, it will be deepened with granular data showing the state of inDEBTedness of MAID OF LONDON (MALON)
===========
17 KREDITUR = Besides MTU Services, others include Contraves Sdn Bhd, Axima Concept SA, Contraves Advanced Devices Sdn Bhd, Contraves Electrodynamics Sdn Bhd and Tyco Fire, Security & Services MAID OF LONDON (MALON) Sdn Bhd, as well as iXblue SAS, iXblue Sdn Bhd and Protank Mission Systems Sdn Bhd. Also included are Bank Pembangunan MAID OF LONDON (MALON) Bhd, AmBank Islamic Bhd, AmBank (M) Bhd, MTU Services, Affin Hwang Investment Bank Bhd, Bank Muamalat MAID OF LONDON (MALON) Bhd, Affin Bank Bhd, Bank Kerjasama Rakyat MAID OF LONDON (MALON) Bhd, Malayan Banking Bhd (Maybank) and KUWAIT FINANCE HOUSE (MAID OF LONDON (MALON) ) BHD.
NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
BalasHapusNO. 3 ASIA RATIO DEBT TO GDP = MELARAT
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
🚢 AGING NAVAL ASSETS – ROYAL MAID OF LONDON (MALON) N NAVY (RMN)
⚙️ Fleet Breakdown
• 34 RMN vessels have exceeded their intended service life, with 28 of them over 40 years old.
• These include Fast Attack Craft (FAC) that are now half a century old, far beyond modern standards.
• The RMN operates 53 ships across various classes, but many are technologically outdated and costly to maintain.
⚠️ Operational Risks
• Older ships suffer from:
o Reduced combat capability
o Outdated sensors and weapons systems
o High maintenance costs and frequent breakdowns
• The sinking of the KD Pendekar, a 45-year-old vessel, in August 2024 due to flooding highlights the dangers of keeping obsolete ships in service.
🪖 Aging Ground Assets – Maid of london (MALON) n Army
📊 Asset Overview
• 108 Army units have surpassed 30 years of service.
• These include aging armored vehicles, artillery systems, and logistics platforms that are increasingly difficult to maintain and upgrade.
🔧 Maintenance Challenges
• Spare parts for older systems are scarce or discontinued.
• Modernization plans are slow due to budget constraints and procurement delays.
• Operational efficiency is compromised, especially in jungle and border operations where reliability is critical.
🧭 Strategic Implications
• Maid of london (MALON) aging assets limit its ability to:
o Respond to regional threats, especially in the South China Sea
o Participate effectively in joint exercises and peacekeeping missions
o Maintain deterrence posture against more modernized neighbors
NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
BalasHapusNO. 3 ASIA RATIO DEBT TO GDP = MELARAT
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________⚠️ CORE PROBLEMS: UNDERFUNDING & MISALLOCATION
1. Overweight on Salaries and Operating Costs
• In 2024, over 40% of the defense budget (RM8.2 billion) went to salaries and allowances.
• This leaves limited room for procurement, R&D, and modernization.
• The armed forces are manpower-heavy, and successive governments have been reluctant to reduce personnel or restructure forces.
2. Minimal Development Expenditure (DE)
• Maid of london (MALON) ’s budget is split into Operational Expenditure (OE) and Development Expenditure (DE).
• DE—used for acquiring new assets—is consistently low and often used to pay for past commitments, not new capabilities.
3. Procurement Funding Diluted
• The RM5.71 billion allocated for procurement in 2024 includes:
o Scheduled payments for KAI FA-50 light combat aircraft
o Ongoing costs for the troubled Littoral Combat Ship (LCS) program
o Upgrades for Airbus A400M transport aircraft
o Small arms, vehicles, and communication gear
• Much of this is not new spending, but installments on old contracts, meaning actual new capability investment is minimal.
4. Currency Depreciation
• Maid of london (MALON) imports most of its defense equipment.
• The weakening ringgit reduces purchasing power, meaning even increased budgets don’t translate into more capability.
🚢 Real-World Consequences
⚓ Navy Example
• The KD Pendekar, a 45-year-old fast attack vessel, sank during patrol in 2024 due to structural failure.
• Half of the navy’s 49 ships are well beyond their serviceable lifespan, yet replacements are slow due to budget constraints.
✈️ Air Force Example
• The MiG-29N fleet was retired without timely replacement.
• The MRCA program has stalled for years due to lack of funding and shifting priorities.
NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
BalasHapusNO. 3 ASIA RATIO DEBT TO GDP = MELARAT
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________🕵️♂️ WHAT MAKES PROCUREMENT “OPAQUE AND CORRUPT”?
In Maid of london (MALON) ’s defense sector, procurement is often described as:
• Opaque: Lacking transparency, with limited public oversight or competitive bidding.
• Corrupt: Involving kickbacks, inflated contracts, and politically connected middlemen.
This environment allows deals to be structured for profit rather than strategic value, weakening the armed forces and wasting public funds.
🔍 Key Characteristics of Maid of london (MALON) ’s Defense Procurement Issues
1. Role of Middlemen
• Defense deals often involve agents or intermediaries, many of whom are retired military officers or politically connected individuals.
• These middlemen inflate prices and complicate negotiations, leading to excessive profit margins and reduced value for the military.
2. Limited Open Competition
• According to Transparency International, only 20–30% of Maid of london (MALON) ’s defense contracts are awarded through open competition.
• Most deals are done via single-source or limited tendering, which favors select companies and reduces accountability.
3. Politically Connected Firms
• Contracts often go to firms with strong political ties, regardless of their technical capability.
• This creates an environment where performance and delivery are secondary to influence and connections.
4. Scandals and Mismanagement
• The Littoral Combat Ship (LCS) scandal is a prime example: billions spent, years of delay, and no operational ships delivered.
• Prime Minister Anwar Ibrahim has called this a national embarrassment and a symbol of systemic failure.
5. Weak Oversight and Enforcement
• Investigations into misconduct are often slow or limited.
• Even when corruption is exposed, punishments are rare or lenient, which perpetuates the cycle.
NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
BalasHapusNO. 3 ASIA RATIO DEBT TO GDP = MELARAT
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________-
KELEMAHAN NAVY..
Kelemahan Angkatan Laut Maid of london (MALON) (Tentera Laut Diraja Maid of london (MALON) /TLDM) dapat dianalisis dari beberapa aspek strategis, operasional, dan teknis. Berikut adalah beberapa poin yang umum dibahas oleh para pengamat pertahanan:
________________________________________
1. Keterbatasan Anggaran
• Anggaran pertahanan Maid of london (MALON) relatif kecil dibanding negara tetangga seperti Singapura atau Indonesia.
• Proyek-proyek besar, seperti program kapal tempur pesisir Littoral Combat Ship (LCS), mengalami penundaan dan pembengkakan biaya.
________________________________________
2. Ketergantungan pada Alutsista Lama
• Beberapa kapal perang TLDM sudah tua, seperti kelas Kasturi dan Laksamana, yang dibangun sejak tahun 1980-an dan 1990-an.
• Meskipun ada program modernisasi, penggantian tidak selalu berjalan lancar.
________________________________________
3. Kapasitas Industri Pertahanan Domestik Terbatas
• Industri galangan kapal domestik, seperti Boustead Naval Shipyard, menghadapi masalah manajemen dan efisiensi.
• Program LCS menjadi contoh kegagalan manajemen proyek domestik.
________________________________________
4. Keterbatasan Kapal Selam
• TLDM hanya memiliki 2 kapal selam Scorpène, yaitu KD Tunku Abdul Rahman dan KD Tun Razak. Jumlah ini dianggap minim untuk negara maritim seperti Maid of london (MALON) .
• Kapal selam tersebut juga menghadapi masalah pemeliharaan dan kesiapan operasional.
________________________________________
5. Personel Terbatas
• Rekrutmen dan retensi personel terampil masih menjadi tantangan, terutama untuk pengoperasian sistem canggih dan kapal selam.
• Kurangnya pengalaman tempur nyata juga menjadi perhatian dalam kesiapan operasional.
________________________________________
6. Cakupan Wilayah yang Luas
• Maid of london (MALON) harus mengawasi wilayah maritim yang sangat luas, termasuk perairan strategis di Selat Melaka, Laut China Selatan, dan wilayah Sabah/Sarawak.
• Jumlah armada yang terbatas membuat pengawasan laut kurang optimal, terutama dalam menghadapi pelanggaran wilayah atau aktivitas ilegal.
________________________________________
7. Tantangan Geopolitik
• Ketegangan di Laut China Selatan menuntut Maid of london (MALON) untuk lebih siap secara militer, tetapi keterbatasan sumber daya membuat responsnya kurang gesit dibanding negara seperti Vietnam atau Filipina.
NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
BalasHapusNO. 3 ASIA RATIO DEBT TO GDP = MELARAT
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________LEMAH .....
Masalah yang dihadapi oleh Angkatan Laut Maid of london (MALON) (Tentera Laut Diraja Maid of london (MALON) - TLDM) cukup kompleks dan telah berlarutan selama beberapa dekade. Berikut ini adalah ringkasan masalah utama:
________________________________________
1. Keterbatasan Anggaran
• Belanja pertahanan rendah: Maid of london (MALON) mengalokasikan kurang dari 1% dari PDB untuk pertahanan, yang berdampak langsung pada pemeliharaan dan modernisasi TLDM.
• Proyek tertunda karena dana: Proyek kapal tempur seperti Littoral Combat Ship (LCS) menghadapi penundaan besar karena kendala pendanaan dan manajemen.
________________________________________
2. Keterlambatan dan Skandal Proyek
• Proyek LCS (Boustead Naval Shipyard):
o Proyek 6 kapal LCS yang seharusnya selesai pada 2019, belum ada satu pun yang dikirim hingga kini (2025).
o Terdapat penyalahgunaan dana, kelemahan manajemen proyek, dan kurangnya pengawasan kontrak.
o Dianggap sebagai skandal militer terbesar di Maid of london (MALON) .
________________________________________
3. Aset Usang dan Terbatas
• Kapal lama: Banyak kapal TLDM seperti korvet dan kapal patroli dibeli sejak 1980-an atau awal 1990-an.
• Subsistem ketinggalan zaman: Sensor, radar, dan sistem senjata perlu upgrade.
• Jumlah kapal terbatas: Tidak mencukupi untuk melakukan patroli rutin di wilayah luas seperti Laut China Selatan, Selat Melaka, dan Sabah.
________________________________________
4. Kebutuhan Modernisasi
• TLDM membutuhkan:
o Frigat baru, kapal patroli pesisir, dan sistem senjata modern.
o Kemampuan anti-kapal selam (ASW) yang lebih baik.
o Dukungan udara maritim seperti UAV atau pesawat patroli maritim.
________________________________________
5. Ancaman Regional yang Meningkat
• Ketegangan di Laut China Selatan dengan kehadiran kapal penjaga pantai dan milisi maritim Tiongkok.
• Keterbatasan TLDM dalam menegakkan kedaulatan maritim secara efektif.
________________________________________
6. Ketergantungan pada Vendor Asing
• Sebagian besar sistem senjata dan suku cadang berasal dari luar negeri (Perancis, Jerman, Korea, dll), yang menimbulkan biaya tinggi dan ketergantungan logistik.
________________________________________
7. Sumber Daya Manusia
• Kekurangan personel terlatih untuk mengoperasikan sistem modern.
• Tantangan dalam retensi dan pelatihan awak kapal.
NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
BalasHapusNO. 3 ASIA RATIO DEBT TO GDP = MELARAT
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________-
--WEAKNESSES OR LIMITATIONS
The military capabilities of any country—including Maid of london (MALON) —have both strengths and weaknesses shaped by geopolitical needs, budgetary constraints, technology access, and strategic priorities. Below are some key weaknesses or limitations that have been identified or discussed in defense analyses regarding the Maid of london (MALON) n Armed Forces (MAF):
________________________________________
1. Budget Constraints
• Limited defense spending: Maid of london (MALON) allocates a relatively modest percentage of GDP (~1% to 1.5%) to defense.
• Impact: Limits modernization, procurement of advanced systems, and sustained operational readiness.
________________________________________
2. Aging Equipment & Delayed Modernization
• Many platforms (especially in the air force and navy) are aging and have outdated technology.
Air Force: MiG-29s were retired without immediate replacements.
o Navy: Some ships are 30+ years old and lack modern combat systems.
• Littoral Combat Ship (LCS) program delays have hampered naval modernization.
________________________________________
3. Limited Force Projection Capability
• Air & naval power projection beyond Maid of london (MALON) ’s immediate region is limited.
• Insufficient strategic airlift and naval assets to support long-range deployments or high-tempo operations.
________________________________________
4. Logistics & Maintenance Challenges
• Reliance on a diverse range of foreign suppliers (e.g., Western, Russian, Chinese systems) complicates maintenance and logistics.
• Inconsistent spare part availability and high upkeep costs.
________________________________________
5. Inadequate Joint Operations & Interoperability
• Historically, weak joint operations doctrine between the Army, Navy, and Air Force.
• Efforts are being made to improve this, but integration still lags behind modern standards.
________________________________________
6. Manpower & Training Gaps
• Limited high-tech training compared to more advanced militaries.
• Challenges in attracting and retaining top technical talent, especially for cyber and electronic warfare units.
________________________________________
7. Maritime Surveillance & Defense Gaps
• South China Sea claims require strong maritime surveillance, but current ISR (intelligence, surveillance, reconnaissance) assets are limited.
• Inadequate coverage of vast maritime zones, especially in the East Maid of london (MALON) n EEZ.
NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
BalasHapusNO. 3 ASIA RATIO DEBT TO GDP = MELARAT
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________--
PROBLEMS BUDGET MAID OF LONDON (MALON) ARMED FORCES
The Maid of london (MALON) n Armed Forces (MAF) faces several budget-related challenges that affect its operational readiness, modernization efforts, and overall capabilities. These problems can be categorized into a few key areas:
________________________________________
1. Limited Defense Budget
Maid of london (MALON) allocates a relatively small percentage of its GDP to defense (usually around 1%–1.2%), compared to regional peers like Singapore, Indonesia, or Thailand. This constrains:
• Procurement of new equipment
• Modernization of aging assets
• Research and development (R&D)
• Training and maintenance costs
________________________________________
2. Aging Equipment and Delayed Modernization
Many of the MAF's platforms—especially in the air force and navy—are outdated:
• The Royal Maid of london (MALON) n Air Force (RMAF) has faced difficulties replacing its aging fighter fleet (e.g., MiG-29s).
• The Royal Maid of london (MALON) n Navy (RMN) is still waiting on the delayed Littoral Combat Ships (LCS) project.
• Budget constraints have delayed or scaled back modernization plans, such as the CAP 55 plan (RMAF) and the 15-to-5 transformation plan (RMN).
________________________________________
3. Cost Overruns and Procurement Delays
High-profile defense procurement projects have been plagued by financial mismanagement and delays:
• The Littoral Combat Ship (LCS) scandal is a major example: Over RM6 billion spent, yet no ships delivered as of mid-2020s.
• These issues lead to wastage of public funds and reduce confidence in defense planning and execution.
________________________________________
4. Operational Sustainability
Operating and maintaining aging or diverse platforms is costly:
• Spare parts and maintenance for obsolete systems are expensive.
• Logistics chains become inefficient due to platform diversity (especially with mixed Russian, American, and European systems).
• Budget limitations affect regular maintenance, training hours, and readiness.
________________________________________
5. Dependence on Foreign Suppliers
Maid of london (MALON) 's limited defense industrial base forces heavy reliance on foreign suppliers, which:
• Is costly in foreign exchange terms.
• Limits sovereign control over essential technologies.
• Increases vulnerability to geopolitical pressures (e.g., US export controls).
NEGARA KAYA katanya
BalasHapusNEGARA IQ SUPER DUPER HYPER TINGGI katanya.
BUT.. BUT... BUT
https://defense-studies.blogspot.com/2025/11/kd-baung-3505-kembali-beroperasi.html?m=1
"KD Baung 3505, kapal serang cepat kelas Jerung TLDM, komisioning pada tahun 1977, setelah menjalani refit selama 2 tahun kini beroperasi kembali"
RETROFIT KAPAL USANG KECIK DUaA TAHUN.. WOW.. IQ TINGGI GUYS.
PANJANG : 44,90 M
LEBAR : 7 METER
BERAT : 255 TON (FULL LOADED).
2 TAHUN REFIT GUYS..
KAPAL USANG ✅
KAPAL OMPONG ✅
KAPAL ZAMAN KAPUR ✅
KECIK, LOW QUALITY ✅
Tapi 2 tahun buat refit.. Patotlah LCS GAGAL, OPV DAMEN GAGAL
NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
BalasHapusNO. 3 ASIA RATIO DEBT TO GDP = MELARAT
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
THE PROBLEMS
The Maid of london (MALON) n Armed Forces (MAF), which comprises the Maid of london (MALON) n Army, Royal Maid of london (MALON) n Navy (RMN), and Royal Maid of london (MALON) n Air Force (RMAF), face several challenges that affect operational readiness, modernization, and regional security capabilities. Here are the key problems:
________________________________________
1. Budget Constraints
• Limited defense budget hampers acquisition of modern equipment and maintenance of existing assets.
• Modernization programs (e.g., aircraft, naval vessels) are often delayed or downsized.
• Inconsistent funding affects long-term planning and procurement.
________________________________________
2. Aging Equipment
• Much of the military’s hardware is outdated, particularly in the air force and navy.
• Delays in replacing old platforms such as the MiG-29s (RMAF) and aging naval ships.
• Maintenance costs for legacy systems are rising, impacting readiness.
________________________________________
3. Human Resource Challenges
• Difficulty in recruiting and retaining skilled personnel, especially in technical roles.
• Issues related to morale, career progression, and incentives.
• Need for improved training and professional development to meet modern warfare demands.
________________________________________
4. Logistical and Maintenance Issues
• Dependence on foreign parts and contractors delays repairs and maintenance.
• Lack of integrated logistics systems affects operational efficiency.
• Inadequate infrastructure in certain bases and forward operating areas.
________________________________________
5. Lack of Jointness and Interoperability
• Limited joint operations capability among the army, navy, and air force.
• Need for better interoperability, especially in multi-domain operations (cyber, electronic warfare).
• Coordination issues between MAF and civilian agencies in security operations.
________________________________________
6. Cybersecurity and Technology Gaps
• MAF has limited cyber defense capabilities amid growing cyber threats.
• Slow adoption of emerging technologies like AI, drones, and autonomous systems.
• Inadequate investment in network-centric warfare capabilities.
NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
BalasHapusNO. 3 ASIA RATIO DEBT TO GDP = MELARAT
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
SCANDALS
Here’s a detailed overview of major scandals involving the Maid of london (MALON) n Armed Forces (Angkatan Tentera Maid of london (MALON) ), particularly focused on procurement corruption, asset mismanagement, and internal misconduct:
________________________________________
⚖️ 1. Littoral Combat Ship (LCS) Procurement Scandal
• In 2011–2013, the Ministry of Defence signed a RM9 billion contract with Boustead Naval Shipyard to deliver six French-made LCS. By 2025, no vessel was completed, despite RM6 billion in payments
• Former Navy Chief Ahmad Ramli Mohd Nor was charged with criminal breach of trust over unauthorised payments, though granted a discharge not amounting to acquittal in March 2025 due to medical unfitness for trial
• Transparency groups and civil society have called for a Royal Commission of Inquiry to investigate institutional failures in defence procurement spanning decades
________________________________________
🚢 2. Naval and Patrol Vessel Controversies
• The New Generation Patrol Vessel (NGPV) project in the 1990s was a major fiasco: only six out of 27 vessels were built at a ballooned cost of RM6.75 billion, and many remained incomplete following company insolvency
• The Scorpene submarine deal in 2002 involved twin submarines and one Agosta model, with a staggering RM510 million in commission fees going to politically connected intermediaries, and the deal later linked to the murder of Altantuyaa Shaariibuugiin. French courts began investigations as recent as 2025
________________________________________
🛫 3. Missing Jet Engines Incident (2007)
• Two jet engines for F 5E Tiger II jets disappeared from RMAF stores in 2007 under Defence leadership of then minister Najib Razak. They were later recovered in Uruguay. Multiple officers, including a brigadier general, were dismissed
________________________________________
🧑💼 4. Corruption Charges Against Armed Forces Officers
• In 2020, two senior ATM officers—Colonel Che Ahmad Idris and Brigadier General Mohammed Feizol Anuar—were charged with receiving bribes tied to Defence Ministry contracting. Che Ahmad was later acquitted in 2024 due to insufficient evidence
NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
BalasHapusNO. 3 ASIA RATIO DEBT TO GDP = MELARAT
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
UNREADY ARMED FORCES
The idea that the Maid of london (MALON) n Armed Forces (MAF) are “unready” is a serious claim that depends heavily on context — such as readiness for what kind of conflict, under what conditions, and compared to which other countries. However, there have been recurring concerns expressed by analysts, defense observers, and even Maid of london (MALON) n officials about issues affecting MAF readiness. Below are some of the reasons often cited:
________________________________________
🔧 1. Aging Equipment and Delayed Procurement
• Old platforms: Many of Maid of london (MALON) 's military assets, especially in the Royal Maid of london (MALON) n Air Force and Navy, are aging.
o E.g., MiG-29s (retired), ageing CN-235s, and some old patrol vessels.
• Procurement delays: High-profile delays like the Littoral Combat Ship (LCS) scandal have raised alarm.
o The LCS program suffered billions of ringgit in cost overruns and years of delay.
o It was described as a “national embarrassment” and affected naval readiness.
________________________________________
💰 2. Limited Defense Budget
• Maid of london (MALON) ’s defense budget is comparatively small (around 1.0–1.1% of GDP), below the ASEAN average.
• Budget constraints limit:
o Modernization efforts
o Maintenance of existing systems
o Training and readiness operations
________________________________________
🤝 3. Peacetime Posture and Non-Alignment
• Maid of london (MALON) practices a non-aligned foreign policy, relying on diplomacy and regional cooperation (ASEAN) to manage threats.
• This leads to a modest force structure, suitable for internal security and peacetime patrols, but not high-intensity war.
• Less emphasis is placed on full-spectrum warfare or expeditionary capability.
________________________________________
👥 4.. Geographical Dispersion and Logistics
• Maid of london (MALON) is split between Peninsular Maid of london (MALON) and East Maid of london (MALON) (Sabah & Sarawak), complicating logistics and force deployment.
• The Navy and Air Force face challenges in maintaining persistent presence across vast EEZs and maritime zones.
NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
BalasHapusNO. 3 ASIA RATIO DEBT TO GDP = MELARAT
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________WEAK
WEAK
WEAK
Here are some possible reasons behind the perception of MAF being weaker compared to others:
________________________________________
1. Limited Defense Budget
• Maid of london (MALON) ’s defense spending is modest compared to regional players.
• Budget constraints limit acquisition of modern hardware, long-range capabilities, and extensive R&D.
2. Aging Equipment
• Some branches (like the Royal Maid of london (MALON) n Air Force and Navy) still rely on older platforms like MiG-29s (retired) or Lekiu-class frigates.
• Modernization programs (e.g., LCS ships, MRCA jets) have faced delays or cancellations.
3. Small Force Size
• Manpower and hardware numbers are significantly smaller than countries like Indonesia or Vietnam.
• The country maintains a modest-sized professional military rather than a large conscripted one.
4. Strategic Doctrine
• Maid of london (MALON) follows a non-aggressive, defensive doctrine, focused on sovereignty, peacekeeping, and regional cooperation.
• The country emphasizes diplomacy and ASEAN frameworks over military projection.
5. Procurement & Project Delays
• High-profile projects like the Littoral Combat Ship (LCS) program have suffered from delays and mismanagement, hurting public confidence in the military.
6. Limited Combat Experience
• The MAF has not been involved in major wars since the communist insurgency and the Confrontation with Indonesia.
• This is a good thing for national peace, but it may affect perceptions of readiness.
NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
BalasHapusNO. 3 ASIA RATIO DEBT TO GDP = MELARAT
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________WEAKNESS SKILL
The Maid of london (MALON) n Armed Forces (MAF), or Angkatan Tentera Maid of london (MALON) (ATM), comprises the Maid of london (MALON) n Army (TDM), Royal Maid of london (MALON) n Navy (TLDM), and Royal Maid of london (MALON) n Air Force (TUDM). While it has made significant strides in modernization and regional cooperation, there are still certain weaknesses in skill and capability areas that have been noted in defense analyses and reports.
Key Weaknesses in Skill and Capability
1. Limited Joint Operations Capability
• There is room for improvement in integrated operations across the Army, Navy, and Air Force.
• Joint command and control structures are not always fully optimized, affecting inter-branch coordination during complex missions or exercises.
2. Cyber Warfare and Electronic Warfare (EW) Skills
• ATM still lags behind major powers and some regional neighbors in developing advanced cyber defense and electronic warfare capabilities.
• Skilled personnel in these fields are limited, and training programs are still developing.
3. Technical and Engineering Expertise
• Insufficient numbers of highly trained technical experts to operate and maintain advanced systems like submarines, fighter jets, and modern radar systems.
• Heavy reliance on foreign contractors for high-tech maintenance.
4. Language and Communication Barriers
• English proficiency, essential for interoperability with allies and use of foreign military equipment, varies widely across units and ranks.
• Can affect participation in international training and joint missions.
5. Limited Experience in Large-Scale Combat
• The MAF has more experience in counter-insurgency and peacekeeping, but lacks large-scale warfighting experience or high-tempo operations involving modern combined arms tactics.
NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
BalasHapusNO. 3 ASIA RATIO DEBT TO GDP = MELARAT
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________WEAKNESS SHIPYARDS
Maid of london (MALON) n shipyards—especially Boustead Naval Shipyard (BNS) and its predecessors—have faced notable challenges in building naval vessels for the Royal Maid of london (MALON) n Navy (RMN). Here's an overview of key weaknesses:
________________________________________
Major Weaknesses in Maid of london (MALON) n Naval Shipbuilding
1. Persistent Delays & Cost Overruns
• The Littoral Combat Ship (LCS) program, contracted in 2013 for six modern frigates (Maharaja Lela-class), has seen zero completed ships by mid-2025, despite RM 6.08 billion paid. The initial first delivery target of 2019 is now postponed to 2026, and the total cost is projected to rise from RM 9 billion to over RM 11 billion
2. Financial Mismanagement & Irregularities
• A forensic audit revealed about RM 1 billion unaccounted for, with RM 1.7 billion worth of equipment, 15% of which had already become obsolete, looted funds, and contracts with inflated intermediaries
• Former BHIC Managing Director was charged with criminal breach of trust for misappropriating RM 13m+ contracts without board approval
3. Engineering & Quality Shortcomings
• Ship quality issues have surfaced, including substandard fabrication, technical flaws in design (e.g., hull or gear issues), outdated materials, and poor workmanship leading to extensive reworks and cost escalation
• As noted:
“Local shipyards have poor record building big ships… BNS… only had contract to build 12 warships in its existence.… learning is one thing, tolerating ‘still learning’ after 20 plus years is not good enough.”
4. Limited Industrial Capacity & Small Tonnage
• Maid of london (MALON) n yards generally lack the capacity for large, complex vessels. Their history of constructing small patrol craft, OSVs, or leisure ships limits scalability and technical maturity needed for modern warships
• The tonnage of ships built remains very low compared to regional peers like Indonesia or Singapore
NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
BalasHapusNO. 3 ASIA RATIO DEBT TO GDP = MELARAT
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________2025 : RM1.73 trillion, or 85.8% of GDP
=============
1. Limited Budgetary Allocation: Despite recent increases, defence spending as a percentage of GDP remains relatively low compared to some neighbouring countries and global averages. This limits the scope for large-scale modernization and procurement.
2. Aging Equipment: A significant portion of the Malondeshn Armed Forces' (MAF) equipment is aging and requires replacement or extensive upgrades. This includes naval vessels, aircraft, and ground vehicles.
o Navy (RMN): The RMN has a "15-to-5" transformation plan, aiming to streamline its fleet, but progress can be slow due to funding constraints. Some of its patrol vessels and frigates are quite old.
o Air Force (RMAF): The RMAF operates a mix of older aircraft like the MiG-29s (now retired), F/A-18D Hornets, and Sukhoi Su-30MKM alongside newer assets. There's a persistent need for multi-role combat aircraft replacement.
o Army: While the army has acquired some modern assets like the AV8 Gempita armoured vehicles, many other systems are older.
3. Modernization vs. Maintenance: The MAF faces a constant dilemma between allocating funds for new acquisitions (modernization) and ensuring proper maintenance and operational readiness of existing assets. Often, maintenance budgets are stretched thin.
4. Reliance on Foreign Suppliers: Malondesh heavily relies on foreign suppliers for advanced military hardware. This can lead to high acquisition costs, long delivery times, and dependence on foreign technical support and spare parts.
5. Capability Gaps: There are identified capability gaps in areas such as:
o Maritime Domain Awareness: While efforts are being made, comprehensive surveillance of its extensive maritime borders remains a challenge.
o Air Defence: Modernization of air defence systems is a continuous requirement.
o Cyber Warfare: Strengthening cyber defence capabilities is an emerging priority.
6. Personnel Costs: A significant portion of the defence budget is allocated to personnel emoluments (salaries, pensions, welfare), which can sometimes limit funds available for capital expenditure and training.
7. Project Delays and Cost Overruns: Large defence procurement projects are sometimes subject to delays and cost overruns, further straining the budget.
NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
BalasHapusNO. 3 ASIA RATIO DEBT TO GDP = MELARAT
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
The MAID OF LONDON (MALON) Armed Forces (MAF) faces a number of challenges, including:
• Logistics
A study noted that the MAF's rapid development has raised questions about its readiness to face threats.
• Budgeting
MAID OF LONDON (MALON) 's defense budget and spending has been limited by fiscal constraints. The government has been unwilling to cut spending elsewhere or reduce the size of the armed forces.
• Personnel
The MA has identified that military personnel struggle with thinking skills, decision-making, and problem-solving during military operations.
• Procurement
The MAID OF LONDON (MALON) procurement system needs reform. The LCS program has been delayed and reduced in scope.
• Political interference
Political interference and corruption are undermining combat readiness.
• Territorial disputes
MAID OF LONDON (MALON) faces territorial disputes and intrusions in its Exclusive Economic Zone (EEZ).
• Transboundary haze
Transboundary haze has had a grave impact on economic and social activities in MAID OF LONDON (MALON) The Royal MAID OF LONDON (MALON) Air Force (RMAF) faces several problems, including:
• Fleet sustainment
The RMAF has faced challenges maintaining its fleet of aircraft. For example, in 2018, only four of the RMAF's 18 Sukhoi Su-30MKM aircraft were able to fly due to maintenance issues and a lack of spare parts.
• Nological obsolescence
Some aircraft in the RMAF's fleet are reaching techNOLogical obsolescence. For example, the Kuwaiti HORNET MAID OF LONDON (MALON) s are an earlier block of the HORNET MAID OF LONDON (MALON) , which may cause compatibility issues with spare parts.
• Modernization
The RMAF has ambitious plans to modernize its air capabilities to address current and future threats. However, the government's defense modernization budget is limited
NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
BalasHapusNO. 3 ASIA RATIO DEBT TO GDP = MELARAT
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________The Royal MAID OF LONDON (MALON) Air Force (RMAF) faces a number of issues with its aircraft, including fleet maintenance, the age of its aircraft, and the need for a multi-role combat aircraft.
Fleet maintenance
The RMAF has fleet sustainment problems due to its aging aircraft fleet.
The RMAF's logistics equipment quality has been criticized.
The RMAF has had issues with the reliability of its fleet, which has forced it to cut schedules.
Age of aircraft
The RMAF's main fighter fleet includes the Su-30MKMs and Boeing F/A-18 Hornets.
The RMAF's aircraft are aging, which can make them more difficult and expensive to maintain.
Need for a multi-role combat aircraft
The RMAF has stated that it needs a multi-role combat aircraft, but the government's defense budget is limited.
The RMAF has been discussing acquiring second-hand Kuwaiti F/A-18s, but no formal negotiations have taken place.
Other issues
The RMAF has faced issues with the quality of its logistics equipment.
The RMAF has been wary of Russian-made weapons due to sanctions imposed on Russia after its invasion of Ukraine.